Exhibit 99.1 Schedule 3
Exception Grades
Run Date - 6/8/2026 10:22:54 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Unique Loan Identifier | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Fitch Initial Exception Rating | Fitch Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [redacted] | [redacted] | [redacted] | [redacted] | 79694963 | 34983240 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.73813% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,365.68 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,306.17 (an overage of $1,059.51 or .73813%). | XXXXX Points and Fees exceed allowable threshold by $1,059.51 or .73813%.. | 11/18/2025 | 2 | B | B | B | B | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79694963 | 35001173 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2025-12-10): XXXXX Seller Comment (2025-12-10): XXXXX |
12/10/2025 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786767 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | The file was missing evidence of CPA letter as consideration of business funds would require CPA letter stating withdrawal of business funds would not impact the business stability. | Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2025-11-28): XXXXX |
02/20/2026 | 2 | C | B | C | B | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786768 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | The file was missing evidence of CPA letter as consideration of business funds would require CPA letter stating withdrawal of business funds would not impact the business stability. | Borrower has verified disposable income of at least $2500.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2025-11-28): XXXXX |
02/20/2026 | 2 | C | B | C | B | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786792 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Qualifying Assets for Closing of $44,272.36 is less than Cash From Borrower $191,665.07. Consideration of business funds would require CPA letter stating withdrawal of business funds would not impact the business stability. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2025-11-28): XXXXX |
02/20/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786949 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786953 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2025-11-18): XXXXX |
11/18/2025 | 1 | C | A | C | A | WA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786955 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $700.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $700.00 on LE but disclosed as $900.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2025-11-18): XXXXX |
11/18/2025 | 1 | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34786997 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Due to missing CPA letter consideration of funds would require CPA letter stating withdrawal of funds would not impact business. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2025-11-28): XXXXX |
02/20/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77377188 | 34809321 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | 1 | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75025849 | 35173703 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX HOA Verification Document is missing in file. | Reviewer Comment (2025-12-15): XXXXX |
12/15/2025 | 1 | C | A | C | A | NC | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75025849 | 35198570 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $46,647.30 is less than Cash From Borrower $73,141.98. | Reviewer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-09): XXXXX |
01/28/2026 | 1 | C | A | C | A | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79983230 | 35256643 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-17): XXXXX |
12/17/2025 | 1 | A | A | A | A | FL | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79983230 | 35256644 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $11,000.00 exceeds tolerance of $8,250.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-17): XXXXX |
12/17/2025 | 1 | A | A | A | A | FL | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70826148 | 35063674 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $110.00 exceeds tolerance of $100.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $100.00 on LE but disclosed as $110.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-19): XXXXX Seller Comment (2026-01-18): XXXXX |
01/20/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72708117 | 35337791 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | 2 | B | B | B | B | IL | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72127246 | 34925368 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. | Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2025-12-05): XXXXX Seller Comment (2025-12-02): XXXXX Reviewer Comment (2025-11-21): XXXXX |
02/03/2026 | 1 | C | A | C | A | MN | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72127246 | 34925369 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.65968% or Final Disclosure APR of 7.68300% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.67101% or Final Disclosure APR of 7.68300% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2025-12-05): XXXXX Seller Comment (2025-12-02): XXXXX Reviewer Comment (2025-11-21): XXXXX |
02/03/2026 | 1 | C | A | C | A | MN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72127246 | 34925370 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2025-12-04): XXXXX Seller Comment (2025-12-03): XXXXX Reviewer Comment (2025-12-03): XXXXX Reviewer Comment (2025-11-25): XXXXX Reviewer Comment (2025-11-20): XXXXX |
02/03/2026 | 1 | C | A | C | A | MN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73871916 | 35169181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. | Reviewer Comment (2026-01-08): XXXXX Reviewer Comment (2025-12-30): XXXXX |
01/08/2026 | 1 | C | A | C | A | CO | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73871916 | 35169198 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. | 12/09/2025 | 2 | B | B | B | B | CO | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73871916 | 35169209 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The file is missing a copy of initial rate lock document. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-08): XXXXX Reviewer Comment (2025-12-30): XXXXX Seller Comment (2025-12-29): XXXXX |
01/27/2026 | 1 | C | A | C | A | CO | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72409175 | 35281282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $1,077,106.23 is under disclosed by $200.00 compared to the calculated total of payments of $1,077,306.23 which exceeds the $100.00 threshold. | Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $1,077,106.23 is under disclosed by $200.00 compared to the calculated total of payments of $1,077,306.23 which exceeds the $100.00 threshold. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 2 | C | B | C | B | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35184605 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-24): XXXXX Seller Comment (2025-12-23): XXXXX |
12/24/2025 | 1 | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191973 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | File is missing a reliable Third-party verification document for the Borrowers Self-employment income source. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-25): XXXXX Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-29): XXXXX |
02/12/2026 | 1 | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191974 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing a reliable Third-party verification document for the Borrowers Self-employment income source. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-25): XXXXX Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-29): XXXXX |
02/12/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191975 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | File is missing a reliable Third-party verification document for the Borrowers Self-employment income source. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191986 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender Exception in the file approving use of 6 Months PITIA Reserves. Compensating factors are Residual income exceeds $3,500.00 per Month and LTV is 5% under the maximum allowable. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-25): XXXXX |
02/13/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing a reliable Third-party verification document for the Borrowers Self-employment income source. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-25): XXXXX Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-29): XXXXX |
02/13/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35191996 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a reliable Third-party verification document for the Borrowers Self-employment income source. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX Reviewer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-25): XXXXX Reviewer Comment (2025-12-30): XXXXX Seller Comment (2025-12-29): XXXXX |
02/12/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35687078 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73194227 | 35804258 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | 1 | A | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75473760 | 35709281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-08): XXXXX Seller Comment (2026-02-06): XXXXX |
02/08/2026 | 1 | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75473760 | 35709282 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75473760 | 35709283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $241.00 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $241.00 exceeds tolerance of $80.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78047583 | 35289399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | D | A | D | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78047583 | 35289405 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
12/24/2025 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78047583 | 35307453 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Borrower previously rented and per guides, Rental Payment History: If the Borrower previously paid rent for their residence, then the Borrower's rental housing payment history is required. Payments must be documented via an institutional Verification of Rent (VOR)/ credit supplement or cancelled checks/bank records. A VOR from an individual or a private party landlord does not meet the requirement of verifying the Borrower's prior housing payment history. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX Reviewer Comment (2025-12-31): XXXXX Seller Comment (2025-12-30): XXXXX |
01/13/2026 | 2 | C | B | C | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78047583 | 35313993 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per Guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR a 2nd full appraisal. Lender provided CU score as secondary valuation. | The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 2 | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70768147 | 35288320 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.31222% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,395.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,603.66 (an overage of $791.34 or .31222%). | XXXXX Points and Fees exceed allowable threshold by $791.34 or .31222%. | 12/26/2025 | 2 | B | B | B | B | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70768147 | 35289448 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of Employment dated XX/XX/XX is not within 10 business days of the note date. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-07): XXXXX Reviewer Comment (2026-01-02): XXXXX Seller Comment (2025-12-31): XXXXX |
01/09/2026 | 2 | C | B | C | B | NC | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265228 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/23/2025 | 2 | B | B | B | B | VA | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265230 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | C | A | B | A | VA | Second Home | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265231 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank XXXXX): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | File is missing 1040 for XXXXX | Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2025-12-29): XXXXX |
01/16/2026 | 1 | C | A | C | A | VA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265232 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | A | A | A | A | VA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265233 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $1,000.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-18): XXXXX |
12/18/2025 | 1 | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35265276 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing XXXXX 1040 document | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | C | A | C | A | VA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35267097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | C | A | C | A | VA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77782809 | 35508833 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | A | A | VA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312536 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $24,719.89 are insufficient to meet cash to close of $165,954.19. Final 1008 reflects $155,863.69 verified, however, Business funds excluded due to missing CPA Letter/Cash flow Analysis Docs. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312581 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 0.00 is less than Guideline Available for Reserves of 6.00. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312596 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $700.00 on LE but disclosed as $750.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312597 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as $XXXXX on LE but disclosed as $XXXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312604 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet XXXXX guidance. | Reviewer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-07): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312642 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73575387 | 35312643 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74378209 | 35318765 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-inspection Fee was disclosed as $0.00 on LE but disclosed as $200.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-20): XXXXX |
01/26/2026 | 1 | C | A | C | A | ME | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71296306 | 35709035 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.65795% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,212.43 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,085.83 (an overage of $6,126.60 or 1.65795%). | XXXXX Points and Fees exceed allowable threshold by $6,126.60 or 1.65795%. | 02/05/2026 | 2 | B | B | B | B | KS | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71296306 | 35709038 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | A | A | KS | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79294970 | 35334826 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | 1 | C | A | C | A | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79294970 | 35334840 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank XXXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | 2 | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79294970 | 35334844 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Processing Fee was disclosed as $0.00 on LE but disclosed as $250.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-08): XXXXX |
01/09/2026 | 1 | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73836301 | 35447700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | C | A | C | A | VA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73836301 | 35447851 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | 1 | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79667005 | 35487321 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/20/2026 | 2 | B | B | B | B | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79667005 | 35487322 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.32245% or Final Disclosure APR of 8.33200% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.32245% or Final Disclosure APR of 8.33200% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%. Non-Compliant Higher Priced Mortgage Loan | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79667005 | 35487323 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-26): XXXXX Seller Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-23): XXXXX |
01/28/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70119843 | 35277973 | Credit | System | General | System | Borrower 1003 current address does not match Note address. | - | Per Final 1003 Section 1 borrower's current address is XXXXX. However per section Section XXXXX is marked as Investment. Provide updated 1003 with correct current address. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-26): XXXXX Seller Comment (2025-12-24): XXXXX |
01/12/2026 | 1 | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70119843 | 35277977 | Credit | System | General | System | Borrower 1003 current address does not match Note address. | - | Per Final 1003 Section 1 borrower's current address is XXXXX. However per section Section XXXXX is marked as Investment. Provide updated 1003 with correct current address. | Reviewer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-26): XXXXX Seller Comment (2025-12-24): XXXXX |
01/12/2026 | 1 | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72931467 | 35297203 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 12/23/2025 | 2 | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307553 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR documentation that meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-05): XXXXX |
01/15/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307561 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307569 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $43,943.03 is less than Cash from Borrower $55,004.71. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR documentation that meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-05): XXXXX |
01/15/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307578 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR documentation that meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-05): XXXXX |
01/15/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307805 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | 1 | C | A | B | A | ID | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77155537 | 35307807 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72517684 | 35363805 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | 1 | D | A | D | A | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72928610 | 35289049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. $400.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $400.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-06): XXXXX |
01/20/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35309808 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 12/30/2025 | 2 | B | B | B | B | MA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35309809 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.88452% or Final Disclosure APR of 8.88600% is equal to or greater than the threshold of APOR 6.23% + 2.5%, or 8.73000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.88452% or Final Disclosure APR of 8.88600% is equal to or greater than the threshold of APOR 6.23% + 2.5%, or 8.73000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35309810 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-09): XXXXX |
03/06/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35309811 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Massachusetts Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | XXXXX Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-01-20): XXXXX |
03/06/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35309812 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.88452% or Final Disclosure APR of 8.88600% is equal to or greater than the threshold of APOR 6.23% + 2.5%, or 8.73000% Non-Compliant Higher Priced Loan. | APR on subject loan of 8.88452% or Final Disclosure APR of 8.88600% is equal to or greater than the threshold of APOR 6.23% + 2.5%, or 8.73000% Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX Reviewer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-20): XXXXX |
03/06/2026 | 1 | C | A | C | A | MA | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35991324 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX |
03/11/2026 | 2 | B | B | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70414043 | 35991325 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.88452% or Final Disclosure APR of 8.88600% is equal to or greater than the threshold of APOR 6.23% + 2.5%, or 8.73000% Compliant Higher Priced Loan. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | 2 | B | B | MA | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74576327 | 35173097 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of CPA Letter for both Borrowers. | Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-20): XXXXX |
02/17/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74576327 | 35174170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74576327 | 35203259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74576327 | 35203260 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current employment status using reasonably reliable third-party records. | File is missing third party business verification. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74576327 | 35203261 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312673 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.01539% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,372.50 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,232.31 (an overage of $4,140.19 or 1.01539%). | XXXXX Points and Fees exceed allowable threshold by $4,140.19 or 1.01539%. | 12/31/2025 | 2 | B | B | B | B | WA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312676 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $925.00 on LE but disclosed as $1,200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $275.00. | Reviewer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312677 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 2 | C | B | C | B | WA | Second Home | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312681 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $30,059.08 are insufficient to meet cash to close of $75,130.18. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | WA | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312686 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | WA | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312690 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay impacted due to Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | WA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70282973 | 35312696 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | B | A | WA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71081350 | 35476118 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/27/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71081350 | 35477331 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.24 is less than Guideline PITIA months reserves of 9.00. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71081350 | 35477359 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71081350 | 35477360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35356372 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 01/09/2026 | 2 | B | B | B | B | MA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35356385 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | D | A | D | A | MA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35392873 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.75617% exceeds Guideline total debt ratio of 50.00000%. Lender used multiple income sources to qualify. SSI and Pension income was verified with award letter and 1 year tax return and is considered alternative documentation per section 103 of guidelines as only 1 year was documented and maximum DTI for alternative documentation loans is 50%. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-26): XXXXX |
01/28/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35392946 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35392947 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71886113 | 35392948 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.75617% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.75617% moderately exceeds the guideline maximum of 50.00%. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | C | A | MA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79318937 | 35607367 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $810.00. $240.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $810.00 on LE but disclosed as $1,050.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $240.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
Reviewer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-28): XXXXX |
01/30/2026 | 1 | C | A | C | A | VT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79318937 | 35607472 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/26/2026 | 2 | B | B | B | B | VT | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70008588 | 35597579 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 01/23/2026 | 2 | B | B | B | B | NC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70008588 | 35597582 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | A | A | A | A | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73583639 | 35265246 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX Tax Verification is missing in file. | Reviewer Comment (2025-12-30): XXXXX |
12/30/2025 | 1 | C | A | C | A | AZ | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73583639 | 35303105 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $17,934.79 is less than Cash From Borrower $85,316.06. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-02): XXXXX Reviewer Comment (2025-12-30): XXXXX |
02/12/2026 | 1 | C | A | C | A | AZ | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337620 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet XXXXX guidance. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337662 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337663 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $21,893.99 Threshold maximum is $19,993.21 Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-09): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
02/26/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337664 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337665 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.47536% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $21,893.99 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,900.78 or .47536%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 5.47536% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $21,893.99 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $1,900.78 or .47536%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-04): XXXXX Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
02/26/2026 | 2 | C | B | C | B | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337666 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-04): XXXXX Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
02/26/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337667 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.47536% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $21,893.99 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,995.92 (an overage of $9,898.07 or 2.47536%). | XXXXX Points and Fees exceed allowable threshold by $9,898.07 or 2.47536%. | 01/06/2026 | 2 | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337786 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 1.15 is less than Guideline Available for Reserves of 3. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337876 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to funds unavailable for reserves. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78830090 | 35337907 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing a copy of the CPA Letter. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71843777 | 35581502 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file is missing a copy of credit report for borrower XXXXX. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | 1 | D | A | D | A | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78455310 | 35232394 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2025-12-22): XXXXX |
12/22/2025 | 2 | B | B | B | B | GA | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78455310 | 35232395 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank XXXXX): Individual Loan Originator not NMLS licensed or registered at time of application. | Individual Loan Originator not NMLS licensed or registered at time of application. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | GA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74772621 | 35486974 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | SC | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74772621 | 35487703 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within a reasonably practicable time after using credit score. | 01/20/2026 | 2 | B | B | B | B | SC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74772621 | 35487704 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.98717% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,525.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,909.50 (an overage of $1,615.50 or .98717%). | XXXXX Points and Fees exceed allowable threshold by $1,615.50 or .98717%. | 01/20/2026 | 2 | B | B | B | B | SC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74772621 | 35487705 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,978.00 exceeds tolerance of $-2,580.00. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as -$2,580.00 on LE but disclosed as -$1,978.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $602.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-01): XXXXX Reviewer Comment (2026-01-26): XXXXX |
02/01/2026 | 2 | C | B | C | B | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76717740 | 35858533 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXXX Subprime Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76717740 | 35858534 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | XXXXX Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76717740 | 35858535 | Compliance | Compliance | State Compliance | State HPML | XXXXX Subprime Home Loan Threshold Fixed Non-Compliant | XXXXX Subprime Loan: APR on subject loan of 9.37667% or Final Disclosure APR of 9.46200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.23000 + 1.75%, or 7.98000%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76717740 | 35858536 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | XXXXX Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392919 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.52001% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,640.49 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,477.66 (an overage of $2,162.83 or .52001%). | XXXXX Points and Fees exceed allowable threshold by $2,162.83 or .52001% | 01/13/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392920 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392921 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank XXXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX |
01/20/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392922 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank XXXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX |
01/20/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392926 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35392997 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35444462 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/13/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35444463 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.87472% or Final Disclosure APR of 7.93400% is equal to or greater than the threshold of APOR 6.19% + 1.5%, or 7.69000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.88907% or Final Disclosure APR of 7.93400% is equal to or greater than the threshold of APOR 6.19% + 1.5%, or 7.69000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-14): XXXXX |
01/20/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35444464 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-14): XXXXX |
01/20/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77786783 | 35590327 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-28): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-20): XXXXX |
01/28/2026 | 2 | B | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71588943 | 35335064 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $85,033.49 is less than Cash From Borrower $89,555.49. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-20): XXXXX |
02/04/2026 | 1 | C | A | C | A | MO | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71617867 | 35627573 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | credit report is missing | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | D | A | D | A | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76435585 | 35318691 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | The file was missing a copy of the final title policy. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | 1 | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76435585 | 35318695 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
01/12/2026 | 1 | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79427486 | 35392730 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/13/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79427486 | 35392732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 6.12000% compared to the actual APR at consummation of 6.27987% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 6.12000% compared to the actual APR at consummation of 6.27491% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-01-16): XXXXX Seller Comment (2026-01-15): XXXXX |
01/16/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79427486 | 35392734 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $523,147.97 is over disclosed by $135.00 compared to the calculated Amount Financed of $523,012.97 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $523,147.97 is over disclosed by $135.00 compared to the calculated Amount Financed of $523,012.97 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-13): XXXXX Seller Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/26/2026 | 1 | C | A | C | A | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $858,193.34 is under disclosed by $135.00 compared to the calculated Finance Charge of $858,328.34 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $858,193.34 is under disclosed by $135.00 compared to the calculated Finance Charge of $858,328.34 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Reviewer Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-13): XXXXX Seller Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/26/2026 | 1 | C | A | C | A | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $605.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $605.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $372.50. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $230.50 exceeds tolerance of $203.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $203.00 on LE but disclosed as $230.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $372.50. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700057 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/04/2026 | 2 | B | B | B | B | PA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77522974 | 35700231 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
03/04/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Good Faith Redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79914002 | 35351199 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.55632% or Final Disclosure APR of 8.60700% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79914002 | 35351200 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-12): XXXXX |
01/12/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71448009 | 35504286 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $217,726.07 is over disclosed by $876.00 compared to the calculated Amount Financed of $216,850.07 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $216,850.07. Calculated finance charge is $217,726.07. Variance of $876.00. Based on review of Lender's compliance report was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable | Reviewer Comment (2026-02-16): XXXXX Seller Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-01-29): XXXXX |
02/16/2026 | 2 | C | B | C | B | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71448009 | 35504287 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $312,021.79 is under disclosed by $876.00 compared to the calculated Finance Charge of $312,897.79 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $312,897.79. Calculated finance charge is $312,021.79. Variance of -$876.00. Based on review of Lender's compliance report was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable | Reviewer Comment (2026-02-16): XXXXX Seller Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-01-29): XXXXX |
02/16/2026 | 2 | C | B | C | B | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71448009 | 35504288 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee was last disclosed as $0.00 on LE but disclosed as $125.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-23): XXXXX |
01/29/2026 | 1 | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70811709 | 35445121 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/15/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70811709 | 35445122 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.53456% or Final Disclosure APR of 8.54100% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.53456% or Final Disclosure APR of 8.54100% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-15): XXXXX |
01/21/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70811709 | 35445123 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower at least 3 days prior to consummation was not provided. | Reviewer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-15): XXXXX |
01/21/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70811709 | 35445124 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | XXXXX Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Borrower not provided Right Not To Close Disclosure. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | B | A | B | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70811709 | 35596385 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 2 | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342329 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.06979% or Final Disclosure APR of 7.78400% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Mortgage Loan. | Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | A | A | A | A | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342331 | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Late Charge Grace Period Testing | XXXXX Late Charge: Note grace period of 0 days is less than the state minimum of XXXXX days. | Note grace period of 0 days is less than the state minimum of XXXXX days. It is verified with Note | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | 2 | B | B | B | B | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342333 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | C | A | C | A | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342334 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | C | A | C | A | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | C | A | C | A | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342336 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-20): XXXXX |
01/21/2026 | 1 | C | A | C | A | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342337 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Reviewer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | A | A | A | A | UT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342338 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,185.00 exceeds tolerance of $80.00 plus 10% or $88.00. $2,097.00 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $2,185.00 exceeds tolerance of $80.00 plus 10% or $88.00. $2,097.00 over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342339 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $762.00 exceeds tolerance of $690.00. $72.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was disclosed as $690.00. on LE but disclosed as $762.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $72.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-20): XXXXX Seller Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342399 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final document missing in file. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-13): XXXXX |
01/28/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35342817 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-20): XXXXX |
02/04/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35343338 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-04): XXXXX Reviewer Comment (2026-01-23): XXXXX |
02/04/2026 | 1 | C | A | B | A | UT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35343339 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-04): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-21): XXXXX |
02/04/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79679597 | 35471884 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | 1008 is missing in the file | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-22): XXXXX |
01/28/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73456064 | 35699610 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,139.50 exceeds tolerance of $2,129.00. $10.50 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $2,129.00 on LE but disclosed as $2,139.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-20): XXXXX Seller Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-16): XXXXX |
03/10/2026 | 1 | C | A | C | A | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77238625 | 35318011 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
01/02/2026 | 2 | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77238625 | 35339863 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.64762% or Final Disclosure APR of 8.64800% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence each version of the appraisal was provided to and received by the borrower not less than 3 business days prior to the note date is not in file. | Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-05): XXXXX |
01/09/2026 | 1 | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77238625 | 35339864 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence each version of the appraisal was provided to and received by the borrower not less than 3 business days prior to the note date is not in file. | Reviewer Comment (2026-01-09): XXXXX Seller Comment (2026-01-05): XXXXX |
01/09/2026 | 1 | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77120374 | 35324286 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Business funds are being used to purchase the subject property. Per guidelines Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis) may be used for down payment and reserves. File is not documented with either acceptable document therefore the funds were not included as available assets. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 2 | C | B | C | B | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77120374 | 35324307 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $1,000.00 are insufficient to meet cash to close of $30,265.68. Final 1008 reflects $64,530.47 verified, however, file is missing evidence the use of business funds will not negatively impact the business. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77120374 | 35324669 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. File is missing evidence the use of business funds will not negatively impact the business. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77120374 | 35324687 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77120374 | 35324688 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365185 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.83061% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,040.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,719.39 (an overage of $5,320.61 or 1.83061%). | XXXXX Points and Fees exceed allowable threshold by $5,320.61 or 1.83061%. | 01/12/2026 | 2 | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365238 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis (Account #XXXXX). | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365240 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis (Account #XXXXX). | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365269 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $3,300.00 are insufficient to meet cash to close of $33,808.85. Final 1008 reflects $47,546.00 verified, however, we require a CPA letter confirming that the use of business funds will not negatively impact the business. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365394 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 0.00 is less than Guideline Available for Reserves of 3.00. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365412 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71035739 | 35365413 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/23/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73677438 | 35476334 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $330.00 exceeds tolerance of $205.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $330.00 exceeds tolerance of $205.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-14): XXXXX |
01/14/2026 | 1 | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73220712 | 35645780 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,241.81 exceeds tolerance of $2,215.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $2,215.00 on LE but disclosed as $2,241.81 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | A | A | A | A | MN | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35928327 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $710,000.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-04): XXXXX |
03/13/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35928356 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is mising | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35934062 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Policy not provided. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35934071 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | Flood Policy not provided | Reviewer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-04): XXXXX |
03/25/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35934197 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided for XXXXX. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35968497 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of mortgage statement. | Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-16): XXXXX |
03/31/2026 | 1 | A | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73760765 | 35968504 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of mortgage statement. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | 1 | A | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76212375 | 35873172 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $0 on LE but disclosed as $200.00on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-04): XXXXX |
03/06/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76212375 | 35873173 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $514.80 exceeds tolerance of $500.00. $14.80 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $514.80 exceeds tolerance of $500.00. $14.80 over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-04): XXXXX |
03/06/2026 | 2 | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75889342 | 35636070 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75889342 | 35636222 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 2 | A | A | A | A | OH | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75889342 | 35636241 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITA months reserves of 4.53 is less than Guideline PITIA months reserve of 6.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75889342 | 35636277 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exception have been cured/cleared. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Exempt from ATR | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75889342 | 35636278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient reserves. This exception will be cleared once all ATR specific exception have been cured/cleared. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35304401 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2025-12-31): XXXXX |
12/31/2025 | 2 | B | B | B | B | ID | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35304405 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.09709% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $57,918.24 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $56,102.60 (an overage of $1,815.64 or .09709%). | XXXXX Points and Fees exceed allowable threshold by $1,815.64 or .09709%. | 12/29/2025 | 2 | B | B | B | B | ID | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35304409 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/07/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35304497 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Funds for reserves is $378,823.37 as per final 1003 /1008 and once evidence of access to funds is on file the same will be $353,113.93. file is still falling short on reserves as reserve requirement is of 9 months. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/16/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35306066 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failing ATR due to insufficient assets for reserves. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-06): XXXXX |
01/16/2026 | 1 | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35306067 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Failing ATR due to insufficient assets for reserves. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-06): XXXXX Reviewer Comment (2026-01-06): XXXXX Seller Comment (2025-12-30): XXXXX |
01/16/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71178899 | 35312982 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-07): XXXXX Seller Comment (2026-01-06): XXXXX |
01/16/2026 | 2 | C | B | C | B | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35365528 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/12/2026 | 2 | B | B | B | B | CO | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35365529 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.29277% or Final Disclosure APR of 8.52300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.29277% or Final Disclosure APR of 8.52300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | C | A | C | A | CO | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35365530 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-14): XXXXX |
01/20/2026 | 1 | C | A | C | A | CO | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35365533 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | The Final CD disclosed the amount of property cost over year 1 as $9,858.31 on page 4. However, the property taxes $XXXXX, Insurance $XXXXX and Mortgage Insurance $XXXXX totaling $10,754.52 per year. Provide a post close CD correcting page 4 and Estimated Taxes, Insurance and Assessments on page 1, with a letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-13): XXXXX |
01/26/2026 | 2 | C | B | C | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35365534 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | The Final CD disclosed the amount of property cost over year 1 as $9,858.31 on page 4. However, the property taxes $XXXXX, Insurance $XXXXX and Mortgage Insurance $XXXXX totaling $10,754.52 per year. Provide a post close CD correcting page 4 and Estimated Taxes, Insurance and Assessments on page 1, with a letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-14): XXXXX Reviewer Comment (2026-01-14): XXXXX Seller Comment (2026-01-13): XXXXX |
01/29/2026 | 2 | C | B | C | B | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35454756 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Per documents in file loan has PMI. Missing mortgage insurance certificate. | Reviewer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-15): XXXXX |
01/20/2026 | 1 | C | A | C | A | CO | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75532142 | 35581816 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-20): XXXXX |
01/21/2026 | 2 | B | B | CO | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70834399 | 35596909 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,160.48 exceeds tolerance of $6,997.00. $1,163.48 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $500.00 on LE but disclosed as $505.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $5.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX |
02/02/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70834399 | 35596910 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $1,200.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $1,200.00. $100.00 over legal limit. sufficient cure was provided to the borrower. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70834399 | 35696174 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74858048 | 35503128 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.82506% or Final Disclosure APR of 9.02700% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.82506% or Final Disclosure APR of 9.02700% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Seller Comment (2026-01-22): XXXXX |
01/27/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74858048 | 35503129 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Retrieving data. Wait a few seconds and try to cut or copy again. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/27/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74858048 | 35503132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74858048 | 35503133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $10.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74858048 | 35617194 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax Fee was last disclosed as $0.00 on LE but disclosed as $10.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | A | A | IN | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487721 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/20/2026 | 2 | B | B | B | B | NY | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487723 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.04101% or Final Disclosure APR of 9.10500% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.04101% or Final Disclosure APR of 9.10500% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | C | A | C | A | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487724 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
02/11/2026 | 1 | C | A | C | A | NY | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487726 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.52956% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,429.64 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,464.96 (an overage of $964.68 or .52956%). | XXXXX Points and Fees exceed allowable threshold by $964.68 or .52956%. | 01/20/2026 | 2 | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487728 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXXX Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487729 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | XXXXX Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487730 | Compliance | Compliance | State Compliance | State HPML | XXXXX Subprime Home Loan Threshold Fixed Non-Compliant | XXXXX Subprime Loan: APR on subject loan of 9.04101% or Final Disclosure APR of 9.10500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.22000 + 1.75%, or 7.97000%. Non-Compliant SubPrime Loan. | APR on subject loan of 9.04101% or Final Disclosure APR of 9.10500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.22000 + 1.75%, or 7.97000%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487731 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | XXXXX Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | B | B | NY | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70979201 | 35487733 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $1,175.00 exceeds tolerance of $1,150.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $1,175.00 exceeds tolerance of $1,150.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | 1 | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76491467 | 35601476 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $794.64 exceeds tolerance of $0.00. $794.64 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as $0.00 on LE but disclosed as $794.64 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-28): XXXXX |
01/29/2026 | 1 | C | A | C | A | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76421767 | 35850346 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.55424% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $26,689.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $17,580.74 (an overage of $9,108.26 or 1.55424%). | XXXXX Points and Fees exceed allowable threshold by $9,108.26 or 1.55424%.. | 02/23/2026 | 2 | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76421767 | 35850493 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | 1 | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76421767 | 35850494 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | 1 | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71707888 | 35615213 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.15365% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $12,419.25 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,814.16 (an overage of $605.09 or .15365%). | XXXXX Points and Fees exceed allowable threshold by $605.09 or .15365%. | 01/27/2026 | 2 | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71707888 | 35615216 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX |
01/30/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71707888 | 35615217 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.72752% or Final Disclosure APR of 8.72800% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 8.72752% or Final Disclosure APR of 8.72800% is equal to or greater than the threshold of APOR 6.27% + 1.5%, or 7.77000%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-01-30): XXXXX Seller Comment (2026-01-28): XXXXX |
01/30/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71707888 | 35615218 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $92.70 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72372806 | 35342372 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan contains Negative Amortization. | Final Closing Disclosure provided on XX/XX/XX does not indicate Partial Payments selection on page 4. | Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
01/12/2026 | 2 | C | B | C | B | AL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72372806 | 35350609 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | A | A | A | A | AL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72372806 | 35350791 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-21): XXXXX Seller Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-12): XXXXX Seller Comment (2026-01-09): XXXXX |
01/29/2026 | 1 | C | A | C | A | AL | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73718226 | 35469603 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
01/15/2026 | 2 | B | B | B | B | DE | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73718226 | 35469726 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $395.00 exceeds tolerance of $350.00 plus 10% or $385.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $395.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-13): XXXXX |
01/13/2026 | 1 | A | A | A | A | DE | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35606696 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.41513% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,180.66 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,943.14 (an overage of $1,237.52 or .41513%). | XXXXX Points and Fees exceed allowable threshold by $1,237.52 or .41513%. | 01/26/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35606698 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/XX/XX/XX) | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX |
02/13/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Good Faith Redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35606809 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $19,175.35 are insufficient to meet cash to close of $42,079.88. Final 1008 reflects $33,005.52 verified. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35606822 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated Available for Reserves of 0.00 is less than Guideline Available for Reserves of 3 | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35606881 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing a CPA letter indicating withdrawal of business funds will not negatively impact the business OR verification a cash flow analysis was completed to meet XXXXX guidance. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35608875 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78398054 | 35608876 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70992709 | 35324556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $750.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was disclosed as $750.00 on LE but disclosed as $780.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-07): XXXXX |
02/02/2026 | 1 | C | A | C | A | MI | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70992709 | 35324557 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-07): XXXXX |
01/08/2026 | 1 | C | A | C | A | MI | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70992709 | 35324558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. $56.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $56.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-01-08): XXXXX Seller Comment (2026-01-07): XXXXX |
01/08/2026 | 1 | C | A | C | A | MI | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70992709 | 35696550 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | MI | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475737 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | HOEPA Assignment Notice is not located in file. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475738 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475739 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $17,374.32. Threshold maximum is $14,373.78. Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475740 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475741 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 6.04375% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $17,374.32 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,000.54 or 1.04375%). Non-Compliant High Cost Loan. | Total fees financed by lender is $17,374.32. Threshold maximum is $14,373.78. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475742 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475743 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 6.04375% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,374.32 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,624.27 (an overage of $8,750.05 or 3.04375%). | XXXXX Points and Fees exceed allowable threshold by $8,750.05 or 3.04375%. | 01/16/2026 | 2 | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475747 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Colorado Covered Loan (Consumer Caution Notice Not Provided) | XXXXX Covered Loan: Consumer Caution Notice not provided to borrower. | Consumer Caution Notice not provided to borrower. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475748 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Colorado Covered Loan (Points and Fees) | XXXXX Consumer Equity Protection Act: Points and Fees on subject loan of 6.04375% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $17,374.32 on a Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,000.54 or 1.04375%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 6.04375% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $17,374.32 on a Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,000.54 or 1.04375%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-19): XXXXX |
01/23/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | For application prior to 1/10/14, no obvious cure. For applications on or after 1/10/14, same as DF HOEPA cure: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-01-19): XXXXX Seller Comment (2026-01-19): XXXXX |
01/19/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75356907 | 35475789 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
01/16/2026 | 2 | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79087292 | 35584945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | A copy of the original appraisal is noted to be in file however evidence of the appraisal being sent to the borrower is not. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79087292 | 35585172 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statement in file indicates borrower operates as a DBA for XXXXX. CPA letter does not mention this business and if the use of these funds would negatively impact the business. Funds from this account are not being included by review and as a result the borrower is short funds for closing. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-01-23): XXXXX |
02/20/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79087292 | 35614561 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX On LEs under section B Attorney Document review prep fee was updated whereas on CD there are two fees one is under section B named as "Attorney Document review prep" fee and another fee is "Attorney document fee" which is under section C. Kindly provide a valid COC for the Attorney document fee updated under section C for $125 or cure due to borrower. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 2 | B | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79087292 | 35860754 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | 2 | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75502000 | 35363850 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-01-22): XXXXX |
02/09/2026 | 1 | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75502000 | 35363851 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $800.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $800.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-01-22): XXXXX Seller Comment (2026-01-21): XXXXX |
02/13/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70997033 | 35893762 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.45914% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $22,645.24 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $19,639.47 (an overage of $3,005.77 or .45914%). | Points and Fees exceed allowable threshold by $3,005.77 or .45914%. | 02/26/2026 | 2 | B | B | B | B | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70997033 | 35894069 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $715.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $715.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-24): XXXXX |
02/24/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70997033 | 35894070 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-24): XXXXX |
02/24/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70997033 | 35894071 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $146.50 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $146.50 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-24): XXXXX |
02/24/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73858631 | 35511380 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.08498% or Final Disclosure APR of 9.07700% is equal to or greater than the threshold of APOR 6.25% + 1.5%, or 7.75000% Compliant Higher Priced Loan. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | 2 | B | B | B | B | MA | Primary | Purchase | No obvious cure | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73330592 | 35485186 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.46457% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,127.88 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,769.82 (an overage of $1,358.06 or .46457%). | XXXXX Points and Fees exceed allowable threshold by $1,358.06 or .46457%. | 01/20/2026 | 2 | B | B | B | B | AR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73330592 | 35485188 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-01-23): XXXXX Seller Comment (2026-01-22): XXXXX |
01/23/2026 | 1 | C | A | C | A | AR | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72785904 | 35635376 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX |
02/02/2026 | 1 | C | A | C | A | AZ | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72785904 | 35635459 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $653.60 exceeds tolerance of $585.00. $68.60 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on Loan Estimate as $585.00 and on Closing Disclosure as $653.60. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $68.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-02): XXXXX Seller Comment (2026-01-30): XXXXX |
03/03/2026 | 2 | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72785904 | 35635470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $630.00 exceeds tolerance of $400.00. $230.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was disclosed on Loan Estimate as $400.00 and on Closing Disclosure as $630.00. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $230.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | 2 | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72785904 | 35635530 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file is missing a copy of Lender's Initial 1003. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | B | A | B | A | AZ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | 1099 Income program - Schedule C is not required. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | B | A | NM | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625882 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank XXXXX): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625883 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | A | A | A | A | NM | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625884 | Compliance | Compliance | State Compliance | State Defect | New Mexico Home Loan (Ability to Repay not Verified) | XXXXX Home Loan: Borrower's ability to repay not verified with reliable documentation. | 1099 Income program - Schedule C is not required. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625892 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | NM | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625907 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | File is Missing Credit report document. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | D | A | D | A | NM | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625908 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | File is missing Flood Certificate | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625914 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $35,623.83.Final 1008 reflects $44,431.52 verified, however, recent bank statement is missing. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-30): XXXXX |
02/13/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35625935 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-03): XXXXX Seller Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-30): XXXXX |
02/13/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35626416 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | 1 | C | A | C | A | NM | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73272210 | 35688783 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-13): XXXXX |
02/13/2026 | 1 | A | A | NM | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75166848 | 35617897 | Compliance | Compliance | State Compliance | State Defect | XXXXX 50(a)(6) Security Instrument Provided on a XXXXX Non-Home Equity Loan | XXXXX Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for XXXXX Equity 50(a)(6). Potential contractual issue | XXXXX Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for XXXXX Equity 50(a)(6). Potential contractual issue | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78355746 | 35606836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. $950.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $0.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $950.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-05): XXXXX |
02/09/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71974916 | 35605965 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-01-28): XXXXX Seller Comment (2026-01-27): XXXXX |
01/28/2026 | 1 | C | A | C | A | TX | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71974916 | 35605967 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $123.60. | Reviewer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78649869 | 35606284 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject is refinance of Second home. Final and initial 1003 declaration section 5a-A reflects the borrower does intend to occupy the property as their primary residence. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79762154 | 35487098 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review fee was disclosed as $0.00 on LE but disclosed as $125.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-23): XXXXX |
01/28/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79762154 | 35497014 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 01/20/2026 | 2 | B | B | B | B | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76625276 | 35700986 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,863.05 exceeds tolerance of $9,914.61. $2,948.44 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $2,948.44 due to increase of Loan Discount Points. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,948.44, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-02): XXXXX Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-15): XXXXX Reviewer Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-15): XXXXX |
04/02/2026 | 2 | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76625276 | 35700987 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certificate. Fee Amount of $10.00 exceeds tolerance of $0.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $10.00 due to increase of Flood Certificate Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made | Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-09): XXXXX |
02/10/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78627770 | 35749063 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.06602% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $41,461.72 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $40,568.98 (an overage of $892.74 or .06602%). | XXXXX Points and Fees exceed allowable threshold by $892.74 or .06602%. | 02/10/2026 | 2 | B | B | B | B | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73990823 | 35758790 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject is purchase of Second home. Final and initial 1003 declaration section 5a-A reflects the borrower does intend to occupy the property as their primary residence. | Reviewer Comment (2026-03-06): XXXXX |
03/06/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70515440 | 35757761 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.78161% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,649.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,861.35 (an overage of $1,787.65 or .78161%). | XXXXX Points and Fees exceed allowable threshold by $1,787.65 or .78161%. | 02/11/2026 | 2 | B | B | B | B | SD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74084601 | 35850083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $368.16 exceeds tolerance of $108.16. $260.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $108.16, but disclosed as $368.16 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $260.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX |
02/27/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76835863 | 35625286 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.02371% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,341.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,563.98 (an overage of $5,777.02 or 2.02371%). | XXXXX Points and Fees exceed allowable threshold by $5,777.02 or 2.02371%. | 01/28/2026 | 2 | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71218524 | 35927355 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/02/2026 | 2 | B | B | B | B | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71218524 | 35927357 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | FL | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71218524 | 35927358 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $700.00 on LE but disclosed as $750.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-03): XXXXX |
03/09/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71218524 | 35927359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,180.00 exceeds tolerance of $3,919.00. $261.00 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fee was disclosed as $3,919.00 on LE but disclosed as $4,180.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $261.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-03): XXXXX |
03/09/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71218524 | 35995085 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-09): XXXXX |
03/09/2026 | 1 | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35767576 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.10649% or Final Disclosure APR of 10.02700% is equal to or greater than the threshold of APOR 6.18% + 2.5%, or 8.68000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.10649% or Final Disclosure APR of 10.02700% is equal to or greater than the threshold of APOR 6.18% + 2.5%, or 8.68000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX Seller Comment (2026-02-26): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35767609 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): Mandatory escrow account not established on 1st lien mortgage loan. | Property Taxes $XXXXX per year, are not included in escrow. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX Seller Comment (2026-02-25): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35796141 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | CPA letter does not state that use of funds will not negatively impact the business. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-23): XXXXX Seller Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-18): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35796198 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.04 is less than Guideline PITIA months reserves of 12.00. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-23): XXXXX Seller Comment (2026-02-20): XXXXX Reviewer Comment (2026-02-18): XXXXX Seller Comment (2026-02-17): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35796231 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35796232 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35809578 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | 1 | A | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35970527 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/11/2026 | 2 | B | B | CA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35970528 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | PCCD received, however, to complete the cure process, al letter of explanation, Proof of Delivery is required. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/11/2026 | 2 | B | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35970529 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether property taxes are included in escrow. | PCCD received, however, to complete the cure process, al letter of explanation, Proof of Delivery, Re-open Rescission if Applicable is required. | Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/11/2026 | 2 | B | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70401115 | 35970530 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | PCCD received, however, to complete the cure process, al letter of explanation, Proof of Delivery, Re-open Rescission if Applicable is required. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/11/2026 | 2 | B | B | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71994058 | 35581175 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.23697% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,689.13 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $12,686.97 (an overage of $1,002.16 or .23697%). | XXXXX Points and Fees exceed allowable threshold by $1,002.16 or .23697%. | 01/23/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71994058 | 35581178 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $123.60. | Reviewer Comment (2026-01-20): XXXXX |
01/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35348638 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within a reasonably practicable time after using credit score. | 01/08/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35348642 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $28.00 exceeds tolerance of $0.00. $28.00 over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee was last disclosed as $0.00 on LE but disclosed as $28.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-01-22): XXXXX |
01/22/2026 | 2 | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35348727 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $42,800.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-01-27): XXXXX Seller Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35349131 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 5.22 is less than Guideline PITIA months reserves of 6.00. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-01-15): XXXXX Seller Comment (2026-01-15): XXXXX |
02/06/2026 | 2 | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35349169 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72964089 | 35349170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79937201 | 35688473 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. | 02/03/2026 | 2 | B | B | B | B | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79937201 | 35688474 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $22,950.19 may be required. | The file was missing a copy of the Loan Estimate(s). | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | 1 | C | A | C | A | TN | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79937201 | 35688604 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | 1 | B | A | B | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79937201 | 35801693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $750.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $750.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. A valid COC or cure would be required. | Reviewer Comment (2026-02-18): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-13): XXXXX |
02/18/2026 | 1 | A | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78508401 | 35644364 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $123.60 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78508401 | 35644365 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $103.00 exceeds tolerance of $88.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $103.00 on LE but disclosed as $15.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78365953 | 35813601 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certified. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. | Certifid Fee was last disclosed as $0.00 on LE but disclosed as $15.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $15.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX |
02/25/2026 | 1 | C | A | C | A | NV | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78833719 | 35624827 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-26): XXXXX |
01/26/2026 | 1 | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75318505 | 35685682 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75318505 | 35685696 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.43603% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,134.29 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,228.96 (an overage of $905.33 or .43603%). | XXXXX Points and Fees exceed allowable threshold by $905.33 or .43603%. | 02/03/2026 | 2 | B | B | B | B | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79937292 | 35757775 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $334.50 exceeds tolerance of $301.00 plus 10% or $331.10. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $334.50 exceeds tolerance of $301.00 plus 10% or $331.10. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-09): XXXXX |
02/09/2026 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71120194 | 35617118 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.99946% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,675.54 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $5,757.43 (an overage of $1,918.11 or .99946%). | XXXXX Points and Fees exceed allowable threshold by $1,918.11 or .99946%. | 01/27/2026 | 2 | B | B | B | B | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79272835 | 35617610 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. | 01/28/2026 | 2 | B | B | B | B | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79272835 | 35617611 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.17678% or Final Disclosure APR of 8.21100% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.17678% or Final Disclosure APR of 8.21100% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79272835 | 35617612 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XX) | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79272835 | 35617615 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-29): XXXXX |
01/29/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79272835 | 35617617 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $307.52 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $307.52 on LE but disclosed as $82.52 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73658851 | 35720168 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73658851 | 35720169 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $300.92 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $100.00 on LE but disclosed as $300.92 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79308108 | 35709357 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 02/05/2026 | 2 | B | B | B | B | AZ | Second Home | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79308108 | 35709359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $775.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $775.00 on LE but disclosed as $1,150.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $375.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-18): XXXXX Seller Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-13): XXXXX Seller Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/18/2026 | 1 | C | A | C | A | AZ | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74403492 | 35749150 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/10/2026 | 2 | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74403492 | 35749185 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX |
02/12/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70436039 | 35626585 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-01-26): XXXXX |
01/26/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71232427 | 35718079 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $9.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $92.70. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76833062 | 35761507 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-09): XXXXX |
02/09/2026 | 1 | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76833062 | 35761567 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/11/2026 | 2 | B | B | B | B | NV | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76614794 | 35721721 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Flood coverage is insufficient by $146,000. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-24): XXXXX |
03/02/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76614794 | 35721738 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/06/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76614794 | 35721739 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.92374% or Final Disclosure APR of 7.92000% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.92374% or Final Disclosure APR of 7.92000% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76614794 | 35721740 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76614794 | 35930837 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | The latest appraisal report was not delivery to borrower 3 days prior to closing date. | Reviewer Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-02): XXXXX |
03/05/2026 | 2 | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74015438 | 35803916 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/16/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74015438 | 35803917 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.24104% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $38,830.40 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $27,467.60 (an overage of $11,362.80 or 1.24104%). | XXXXX Points and Fees exceed allowable threshold by $11,362.80 or 1.24104%. | 02/16/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74746167 | 35709470 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee as $00.00 on LE but disclosed as -$123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | A | A | NE | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72398913 | 35769750 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement dated XX/XX/XX reflects a large unsourced deposit of $XXXXX that was not included by review. Without these funds the borrower is short funds for reserves. | Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72398913 | 35769761 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statement dated XX/XX/XX reflects a large unsourced deposit of $XXXXX that was not included by review. Without these funds the borrower is short funds for closing. | Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72398913 | 35769771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72398913 | 35769772 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-17): XXXXX Seller Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74628492 | 35698658 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/04/2026 | 2 | B | B | B | B | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74628492 | 35698659 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-13,420.00 exceeds tolerance of $-13,600.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-13,420.00 exceeds tolerance of $-13,600.00. Sufficient cure was provided to the borrower at Closing | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | A | A | PA | Primary | Purchase | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73863441 | 35581750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-365.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-365.00. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-01-29): XXXXX Seller Comment (2026-01-29): XXXXX |
03/05/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73863441 | 35581762 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73863441 | 35638221 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): XXXXX |
01/27/2026 | 2 | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78967169 | 35687356 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.08146% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,678.36 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $18,184.58 (an overage of $493.78 or .08146%). | XXXXX Points and Fees exceed allowable threshold by $493.78 or .08146%. | 02/03/2026 | 2 | B | B | B | B | MT | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78967169 | 35687358 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 8.48300% compared to the actual APR at consummation of 9.32981% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 8.48300% compared to the actual APR at consummation of 9.32981% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-04): XXXXX |
02/05/2026 | 1 | C | A | C | A | MT | Primary | Purchase | TRID timing exception, no remediation available. | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78967169 | 35729234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,483.36 exceeds tolerance of $748.00. $735.36 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX received XX/XX/XX CD. Final CD increased discount points from the XX/XX/XX CD received. Loan amount decreased but discount points increased. No valid changed circumstance in file to support this change. Please provide a valid changed circumtance or cure to borrower. | Reviewer Comment (2026-02-06): XXXXX Seller Comment (2026-02-05): XXXXX |
02/06/2026 | 1 | A | A | MT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504122 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.33236% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,874.48 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $16,091.71 (an overage of $1,782.77 or .33236%). | XXXXX Points and Fees exceed allowable threshold by $1,782.77 or .33236%. | 01/21/2026 | 2 | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504123 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | TX | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504151 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. . |
Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-05): XXXXX Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504154 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval is missing from file. | Reviewer Comment (2026-02-04): XXXXX Seller Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504192 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $7,050.00 are insufficient to meet cash to close of $168,469.81. Final 1008 and evidence of access to funds is missing. | Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-05): XXXXX Seller Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-04): XXXXX |
02/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504208 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-02-06): XXXXX Reviewer Comment (2026-02-05): XXXXX Reviewer Comment (2026-02-04): XXXXX |
02/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504890 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72976922 | 35504891 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to excessive DTI. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78253447 | 35941894 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $9,133.76 are insufficient to meet cash to close of $75,152.83 Final 1008 reflects $75,372.64 verified, however, Business funds excluded due to missing CPA Letter/Cash flow Analysis Docs. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78253447 | 35941898 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated Available for Reserves of 0 is less than Guideline Available for Reserves of 6. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78253447 | 35941989 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78253447 | 35941990 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78253447 | 35942001 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-20): XXXXX |
03/20/2026 | 2 | C | B | C | B | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73996268 | 35597114 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.08296% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $15,683.87 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,523.89 (an overage of $4,159.98 or 1.08296%). | XXXXX Points and Fees exceed allowable threshold by $4,159.98 or 1.08296%. | 01/23/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73996268 | 35597152 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
01/23/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79169863 | 35789695 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 02/13/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79169863 | 35789697 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70120883 | 35749763 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.74986% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,001.44 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,201.56 (an overage of $2,799.88 or .74986%). | XXXXX Points and Fees exceed allowable threshold by $2,799.88 or .74986%%. | 02/10/2026 | 2 | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70120883 | 35749766 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $2,602.00 exceeds tolerance of $2,352.00. Sufficient or excess cure was provided to the borrower at Closing. | Commitment Fee was last disclosed as $2,352.00 on LE but disclosed as $2,602.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $250.00. | Reviewer Comment (2026-02-06): XXXXX |
02/06/2026 | 1 | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70120883 | 35749778 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Lender to provide master policy. | Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70120883 | 35749804 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation confirming the condo is warrantable. | Reviewer Comment (2026-02-16): XXXXX Seller Comment (2026-02-13): XXXXX |
02/16/2026 | 1 | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74991227 | 35822471 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | 1 | C | A | C | A | MD | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74232875 | 35759927 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $0 are insufficient to meet cash to close of $481,808.81. Final 1008 reflects $507,991.74 verified. CPA letter does not confirm the used of funds will not have a negative impact on the business and therefore business funds are not being included by review. | Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-24): XXXXX Reviewer Comment (2026-02-23): XXXXX Seller Comment (2026-02-21): XXXXX |
02/24/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74232875 | 35794717 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Borrower was previously renting and a VOR was not provided. Per guides, if the Borrower previously paid rent for their residence, then the Borrower's rental housing payment history is required. Payments must be documented via an institutional Verification of Rent (VOR)/ credit supplement, or cancelled checks/bank records. A VOR from an individual or a private party landlord does not meet the requirement of verifying the Borrower's prior housing payment history. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-23): XXXXX Reviewer Comment (2026-02-23): XXXXX Seller Comment (2026-02-21): XXXXX |
03/03/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74232875 | 35892580 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide deposit receipt or wire confirmation document along with donor withdrawal proof for gift funds $250,000. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
03/05/2026 | 1 | A | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74232875 | 35938073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | A | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74232875 | 35938093 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Required 12 months' reserves | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | A | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70752199 | 35926268 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Secondary valuation is missing. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | 1 | D | A | D | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862423 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing Account Statements - Business for XXXXX. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX |
03/04/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862433 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower is qualified with 24 month bank statement income however statement for the month of XXXXX, XXXXX and XXXXX is missing in file. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX |
03/04/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862439 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI is exceeding minimum threshold of 50% due to missing bank statement in file for the month of XXXXX, XXXXX & XXXXX. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-26): XXXXX |
03/04/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862456 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862458 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.13894% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI is exceeding minimum threshold of 50% due to missing bank statement in file for the month of Jan, Feb & XXXXX. | Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-26): XXXXX |
03/04/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862462 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,023.20 exceeds tolerance of $2,566.00. $12,457.20 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee was last disclosed as $2,566.00 on LE but disclosed as $15,023.20 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $$12,457.20, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862464 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $1,250.00 exceeds tolerance of $0.00. $1,250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fees was last disclosed as $0.00 on LE but disclosed as $1,250.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-06): XXXXX |
03/12/2026 | 2 | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862465 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception DTI is exceeding threshold of 50% due to missing bank statements in file. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35862781 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-06): XXXXX Reviewer Comment (2026-03-05): XXXXX |
03/24/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35866528 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 02/24/2026 | 2 | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73436610 | 35910229 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | 1 | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75123226 | 35858263 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing Final 1003 document. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-02-26): XXXXX |
03/10/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75123226 | 35858290 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX HB 1399. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75123226 | 35858291 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75123226 | 35858293 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 7.94540% or Final Disclosure APR of 7.95400% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 7.95969% or Final Disclosure APR of 7.95400% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77510102 | 35935283 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | 1 | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77986271 | 35805380 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/16/2026 | 2 | B | B | B | B | MS | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78023047 | 35711301 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-06): XXXXX |
02/12/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78023047 | 35711308 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.44419% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,282.43 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,343.23 (an overage of $939.20 or .44419%). | XXXXX Points and Fees exceed allowable threshold by $9,179.20 or 4.51196%. | 02/05/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74572580 | 35769763 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception, per UW notes, missing for use of business funds without combined 100% ownership of borrowers. | Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-13): XXXXX Reviewer Comment (2026-02-11): XXXXX |
02/13/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76181590 | 35811696 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.98637% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,758.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,065.88 (an overage of $2,692.12 or 1.98637%). | XXXXX Points and Fees exceed allowable threshold by $2,692.12 or 1.98637%. | 02/17/2026 | 2 | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790932 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Signed at Closing) | XXXXX Consumer Sales Practices Act: Right Not To Close Disclosure not properly executed. | Right Not To Close Disclosure not properly executed. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790933 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | XXXXX Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Borrower not provided Right Not To Close Disclosure at Closing. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790935 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,978.40 exceeds tolerance of $4,707.00. $271.40 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $271.40 due to increase of Loan Discount Points. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $271.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
02/25/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $880.00 exceeds tolerance of $655.00. $225.00 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $225.00 due to increase of Appraisal Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $225.00 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
03/16/2026 | 2 | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790937 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $175.00 due to increase of Appraisal Review Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-25): XXXXX |
03/16/2026 | 2 | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35790938 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,400.50 exceeds tolerance of $1.00. $1,399.50 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $1,399.50 due to increase of Transfer Tax. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,399.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-25): XXXXX Seller Comment (2026-02-24): XXXXX |
03/16/2026 | 2 | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78480489 | 35814735 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | A copy of the revised valuation was not provided to applicant three (3) business days prior to consummation. | 02/13/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79584576 | 35805952 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VOE provided for Co Borrower not within 10 business days of the note date. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-25): XXXXX |
02/26/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79584576 | 35805953 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VOE provided for Borrower not within 10 business days of the note date. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has worked in the same position for more than 3 years. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-26): XXXXX Reviewer Comment (2026-02-25): XXXXX |
03/09/2026 | 2 | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79584576 | 35805979 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-11): XXXXX |
03/16/2026 | 1 | C | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79584576 | 35805980 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification of Employment not within 10 business days of the note for Borrower and Co Borrower. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-02-26): XXXXX |
03/16/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76870192 | 35927369 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.66612% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,294.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,547.14 (an overage of $4,746.86 or 1.66612%). | XXXXX Points and Fees exceed allowable threshold by $4,746.86 or 1.66612%. | 03/02/2026 | 2 | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76870192 | 35927372 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $450.00 exceeds tolerance of $379.00 plus 10% or $416.90. $33.10 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $71.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $33.10, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-11): XXXXX |
03/11/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75858311 | 35922000 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.32632% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,617.30 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,771.92 (an overage of $845.38 or .32632%). | XXXXX Points and Fees exceed allowable threshold by $845.38 or .32632%. | 02/27/2026 | 2 | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75858311 | 35922003 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76843317 | 35720461 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-09): XXXXX |
02/12/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76843317 | 35720463 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.25012% or Final Disclosure APR of 9.45200% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-11): XXXXX Seller Comment (2026-02-09): XXXXX |
02/12/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76843317 | 35720465 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was disclosed as $0.00 on LE but disclosed as $92.70 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76843317 | 35720466 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,503.75 exceeds tolerance of $4,074.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was disclosed as $4,074.00 on LE but disclosed as $4,503.75.00 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76843317 | 35720503 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $180.00 exceeds tolerance of $120.00 plus 10% or $132.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $48.00 due to increase in fees. However, evidence of cure in file for $48.00 | Reviewer Comment (2026-02-04): XXXXX |
02/04/2026 | 1 | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35973630 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file was missing a copy of the Initial 1003. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/10/2026 | 1 | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974203 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Lender to provide HO-6 policy. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/10/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974258 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Due to inadequately documented business funds. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-20): XXXXX |
04/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974306 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Funds from a business account may be used for down payment and reserves if the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meeting XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
04/02/2026 | 2 | C | B | C | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974322 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $15,000 are insufficient to meet cash to close of $90,009.53. Due to inadequately documented business funds. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-20): XXXXX |
04/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974338 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/02/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79846202 | 35974339 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35730853 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Copy of Rate lock is missing. | Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX |
02/12/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731098 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.32027% or Final Disclosure APR of 7.74100% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731099 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.56551% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $12,892.44 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,471.63 (an overage of $4,420.81 or 1.56551%). | XXXXX Points and Fees exceed allowable threshold by $4,420.81 or 1.56551%. | 02/09/2026 | 2 | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731101 | Compliance | Compliance | State Compliance | State Defect | XXXXX 50(a)(6) Security Instrument Provided on a XXXXX Non-Home Equity Loan | XXXXX Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for XXXXX Equity 50(a)(6). Potential contractual issue | Reviewer Comment (2026-02-12): XXXXX |
02/12/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731169 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 02/09/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731334 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/09/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731335 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | HPML requirements not met. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73370832 | 35731336 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Reviewer Comment (2026-02-24): XXXXX Seller Comment (2026-02-17): XXXXX |
02/24/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35803794 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/16/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35803845 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/16/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35803847 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.52779% or Final Disclosure APR of 7.81300% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.52779% or Final Disclosure APR of 7.81300% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35803848 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification revised appraisal was delivered and received by borrower (3) business days prior to consummation. was not provided. | Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35807232 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Business funds are being used to purchase the subject property. Per guidelines Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis) may be used for down payment and reserves. File is not documented with either acceptable document therefore the funds were not included as available assets. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35807237 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $6,400.00 are insufficient to meet cash to close of $80,891.82. Business funds are being used to purchase the subject property. Per guidelines Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis) may be used for down payment and reserves. File is not documented with either acceptable document therefore the funds were not included as available assets. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35807239 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | CPA letter is in file, but it contains no statement indicating withdrawal of the funds will not negatively impact the business. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35807258 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Due to business funds being inadequately documented. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79156922 | 35807259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. Due to business funds being inadequately documented. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73282583 | 35830057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77444235 | 35760112 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $293.20 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed as $200.00 on LE but disclosed as $293.20 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $93.20, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made | Reviewer Comment (2026-02-09): XXXXX |
02/09/2026 | 1 | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77444235 | 35760234 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Loan Estimate: Dates are not in chronological order. Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. | Reviewer Comment (2026-02-13): XXXXX Seller Comment (2026-02-12): XXXXX |
02/13/2026 | 1 | B | A | B | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75517683 | 35749069 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 6.25721% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $68,435.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $32,810.96 (an overage of $35,624.04 or 3.25721%). | XXXXX Points and Fees exceed allowable threshold by $35,624.04 or 3.25721%. | 02/10/2026 | 2 | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73020199 | 35838831 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/20/2026 | 2 | B | B | B | B | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73020199 | 35838832 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/20/2026 | 2 | B | B | B | B | NC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72908654 | 36071210 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.00271% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,289.22 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $4,285.34 (an overage of $3.88 or .00271%). | XXXXX Points and Fees exceed allowable threshold by $3.88 or .00271%. | 03/18/2026 | 2 | B | B | B | B | WI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72908654 | 36071215 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,649.22 exceeds tolerance of $1,490.00. $1,159.22 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $1,490.00 on LE but disclosed as $2,649.22 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,159.22, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX |
03/19/2026 | 1 | C | A | C | A | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77141831 | 35939244 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77141831 | 35939320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-11): XXXXX Seller Comment (2026-03-09): XXXXX |
03/17/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77141831 | 35939321 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-11): XXXXX Seller Comment (2026-03-09): XXXXX |
03/17/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77141831 | 35970470 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing 2 months business bank statements required for use of personal bank statements. The loan does qualify for use of comingled funds, but the qualifying income would need to be recalculated using a 50% expense ratio or other verified expense ratio. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-13): XXXXX Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX |
03/17/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72931441 | 36166547 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $100.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-27): XXXXX |
03/27/2026 | 1 | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72931441 | 36166548 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.62 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $100.00 on LE but disclosed as $101.62 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-27): XXXXX |
03/27/2026 | 1 | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72931441 | 36166643 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.93332% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,326.30 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,103.85 (an overage of $5,222.45 or 1.93332%). | XXXXX Points and Fees exceed allowable threshold by $5,222.45 or 1.93332%. | 03/31/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36037941 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $47,488.24 is less than Cash From Borrower $120,267.68. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038194 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Business Funds for Account # XXXXX - If the Borrower is the sole owner of the company, a CPA letter indicating withdrawal of the funds will not negatively impact the business is required if funds are used for down payment and reserves., However it is missing in the file. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038198 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Business Funds for Account # XXXXX- If the Borrower is the sole owner of the company, a CPA letter indicating withdrawal of the funds will not negatively impact the business is required if funds are used for down payment and reserves., However it is missing in the file. | Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038209 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038210 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $17,103.91. Threshold maximum is $14,118.64. Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation. 17,103.91 (an overage of $14,118.64 |
Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038211 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038212 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.47437% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $31,222.55 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,705.52 or .47437%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 5.47639% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $31,222.55 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,716.02 or .47639%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038213 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038214 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.47437% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $31,222.55 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $17,110.21 (an overage of $14,112.34 or 2.47437%). | XXXXX Points and Fees exceed allowable threshold by $14,118.64 or 2.47639%. | 03/13/2026 | 2 | B | B | B | B | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038275 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038303 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73720575 | 36038304 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35829985 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX |
03/10/2026 | 2 | C | B | C | B | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35829986 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX |
03/10/2026 | 2 | C | B | C | B | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35829999 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | File is missing Business Bank Account Statement #XXXXX for Month XXXXX till XXXXX. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
03/04/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35830019 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $54,881.17 are insufficient to meet cash to close of $62,609.58.Final 1008 reflects $91,896.16 verified, however, file is missing Bank statement from file | Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
02/27/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35830025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing Business Bank Account Statement #XXXXX for months XXXXX till XXXXX. | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-27): XXXXX Seller Comment (2026-02-27): XXXXX |
03/13/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35830301 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35830302 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-13): XXXXX |
03/13/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74221616 | 35830304 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-02-27): XXXXX |
02/27/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71106494 | 35860475 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.16085% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,833.75 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $18,824.46 (an overage of $1,009.29 or .16085%). | XXXXX Points and Fees exceed allowable threshold by $1,009.29 or .16085%. | 02/24/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71106494 | 35860500 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $870.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by -$80.00 due to increase in Appraisal Fee. However, the File does contain the Cure in the amount of $203.60 which is sufficient. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71106494 | 35860501 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by -$123.60 due to increase in Second Appraisal Fee. However, the File does contain the Cure in the amount of $203.60 which is sufficient. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76199172 | 35708882 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/05/2026 | 2 | B | B | B | B | DC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76199172 | 35708883 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.40958% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,162.48 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $14,220.93 (an overage of $1,941.55 or .40958%). | XXXXX Points and Fees exceed allowable threshold by $1,941.55 or .40958%. | 02/05/2026 | 2 | B | B | B | B | DC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76199172 | 35708884 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $474,231.29 is over disclosed by $200.00 compared to the calculated Amount Financed of $474,031.29 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $474,231.29 is over disclosed by $200.00 compared to the calculated Amount Financed of $474,031.29 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX) | Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/19/2026 | 1 | C | A | C | A | DC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76199172 | 35708885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $689,320.38 is under disclosed by $200.00 compared to the calculated Finance Charge of $689,520.38 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $689,320.38. Calculated finance charge is $689,520.38 .Variance of $200. Based on review of Lender's compliance report, fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-09): XXXXX Seller Comment (2026-02-06): XXXXX |
02/19/2026 | 1 | C | A | C | A | DC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77742886 | 36081816 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $211,643.71 is over disclosed by $275.00 compared to the calculated Amount Financed of $211,368.71 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $211,368.71. Calculated finance charge is $211,643.71. Variance of $275.00. Based on review of Lender's compliance report was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable. Due to the Title - Remote Closing fee. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX |
04/02/2026 | 2 | C | B | C | B | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77742886 | 36081817 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $295,485.70 is under disclosed by $275.00 compared to the calculated Finance Charge of $295,760.70 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $295,760.70. Calculated finance charge is $295,485.70. Variance of -$275.00. Based on review of Lender's compliance report was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable. Due to the Title - Remote Closing fee. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX |
04/02/2026 | 2 | C | B | C | B | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70119174 | 35733734 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a reliable Third-Party verification document of the Borrowers self-employed business. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-19): XXXXX Seller Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-12): XXXXX Seller Comment (2026-02-12): XXXXX Reviewer Comment (2026-02-10): XXXXX Seller Comment (2026-02-10): XXXXX |
03/04/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70119174 | 35733751 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing a reliable Third-Party verification document of the Borrowers self-employed XXXXX business. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70119174 | 35733752 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing a reliable Third-Party verification document of the Borrowers self-employed XXXXX business. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76728160 | 35954017 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-06): XXXXX |
03/10/2026 | 1 | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76728160 | 35954018 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,552,884.45 is over disclosed by $120.00 compared to the calculated Amount Financed of $1,552,764.45 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,552,884.45 is over disclosed by $120.00 compared to the calculated Amount Financed of $1,552,764.45 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX |
03/13/2026 | 1 | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76728160 | 35954019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,043,102.67 is under disclosed by $120.00 compared to the calculated Finance Charge of $2,043,222.67 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,043,102.67 is under disclosed by $120.00 compared to the calculated Finance Charge of $2,043,222.67 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-09): XXXXX |
03/13/2026 | 1 | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76728160 | 35954020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX |
03/09/2026 | 1 | C | A | C | A | IL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76126928 | 35858727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-02-26): XXXXX Seller Comment (2026-02-25): XXXXX |
02/26/2026 | 1 | C | A | C | A | CA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73242402 | 35924814 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,773.00 exceeds tolerance of $3,350.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73511856 | 35822348 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-16): XXXXX |
02/16/2026 | 1 | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73511856 | 35822358 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
02/18/2026 | 2 | B | B | B | B | MI | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73193592 | 35858274 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $254.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed as $250.00 on LE but disclosed as $254.00 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-02-20): XXXXX |
02/20/2026 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76367064 | 35856233 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,161.60 exceeds tolerance of $3,600.00. $561.60 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $3,600.00 on LE but disclosed as $4,161.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $561.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71872775 | 35835176 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35789911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,058,498.47 is over disclosed by $335.00 compared to the calculated Amount Financed of $1,058,163.47 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $1,058,163.47. Calculated finance charge is $1,058,498.47. Variance of $335.00. Based on review of Lender's compliance report, $335.00 fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | 2 | C | B | C | B | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35789912 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,291,545.43 is under disclosed by $335.00 compared to the calculated Finance Charge of $1,291,880.43 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $1,291,880.43. Calculated finance charge is $1,291,545.43. Variance of -$335.00. Based on review of Lender's compliance report, -$335.00 fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | 2 | C | B | C | B | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35789914 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,686.50 exceeds tolerance of $4,097.00 plus 10% or $4,506.70. $1,179.80 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $5,686.50 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,179.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | 1 | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35789937 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | K-1 is missing from the file. | Reviewer Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-10): XXXXX |
03/12/2026 | 1 | C | A | C | A | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35791013 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Due to missing K-1. | Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-12): XXXXX |
03/27/2026 | 1 | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 35791014 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the income guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-12): XXXXX |
03/27/2026 | 1 | C | A | C | A | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 36099248 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of 53.86088% exceeds Guideline total debt ratio of 50.00000%. Borrower qualified under alternative document program per guidelines section 103.2 and max DTI allowed per guidelines is 50%. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX |
03/27/2026 | 2 | B | B | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70833218 | 36099291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.86088% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-26): XXXXX |
03/27/2026 | 2 | B | B | AZ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70655586 | 35927585 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $367.90 exceeds tolerance of $245.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70655586 | 35927679 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified assets in the amount of $50,979.42 are insufficient to meet reserves requirement of $41,254.72 Final 1008 reflects $57,680.42 verified, however, assets short $6,701.00. No additional asset verification provided. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX |
03/12/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70655586 | 35927973 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX |
03/12/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70655586 | 35927974 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient Assets. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-04): XXXXX |
03/12/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72710411 | 36015500 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-10): XXXXX |
03/10/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77488100 | 35945083 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.13376% or Final Disclosure APR of 9.54400% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.13376% or Final Disclosure APR of 9.54400% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77488100 | 35945084 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77488100 | 35984481 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-06): XXXXX |
03/11/2026 | 2 | B | B | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 35758922 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 02/11/2026 | 2 | B | B | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 35758923 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.05302% or Final Disclosure APR of 9.28500% is equal to or greater than the threshold of APOR 6.25% + 1.5%, or 7.75000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Two appraisals not being completed and/or provided to the borrower within 3 business days of closing on a HPML loan. | Reviewer Comment (2026-04-06): XXXXX Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
04/06/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 35758924 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Flipped Property - Creditor did not obtain two (2) written appraisals. | Flipped Property - Creditor did not obtain two (2) written appraisals. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Seller Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-20): XXXXX |
04/03/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 35758925 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX |
04/01/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 35758926 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.74377% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,672.42 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,949.48 (an overage of $1,722.94 or .74377%). | XXXXX Points and Fees exceed allowable threshold by $1,722.94 or .74377%. | 02/11/2026 | 2 | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 36207199 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | A | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 36231760 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Appraisal not obtained prior to consummation. | Appraisal not obtained prior to consummation. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | A | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75793038 | 36231761 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | A | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78197609 | 35989635 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-11): XXXXX |
03/19/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948574 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file was missing a copy of the Lender's Initial 1003. | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-06): XXXXX |
03/09/2026 | 1 | B | A | B | A | MA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948618 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was received XX/XX/XX with note date of XX/XX/XX missing evidence of waiver. | 03/04/2026 | 2 | B | B | B | B | MA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948619 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was received XX/XX/XX with note date of XX/XX/XX missing evidence of waiver. | 03/04/2026 | 2 | B | B | B | B | MA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948620 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was received XX/XX/XX with note date of XX/XX/XX missing evidence of waiver. | 03/04/2026 | 2 | B | B | B | B | MA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948621 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated XX/XX/XX was received XX/XX/XX with note date of XX/XX/XX missing evidence of waiver. | 03/04/2026 | 2 | B | B | B | B | MA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74271703 | 35948623 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $106.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as $70.00 on LE but disclosed as $106.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | A | A | A | A | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73738445 | 35927689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0 on Loan Estimate but disclosed as $92.70 on the Final Closing Disclosure. No valid change of circumstance, sufficient or excess cure was proved to the borrower at Closing. | Reviewer Comment (2026-03-04): XXXXX Seller Comment (2026-03-03): XXXXX |
03/04/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79564040 | 36035597 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are under disclosed. Due to HOA fee not being accounted for. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/18/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79766180 | 35869328 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/25/2026 | 2 | B | B | B | B | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79766180 | 35869351 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-04): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-27): XXXXX |
03/05/2026 | 1 | C | A | C | A | TN | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73090086 | 35893667 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.04303% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $28,195.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $27,796.29 (an overage of $398.71 or .04303%). | 02/26/2026 | 2 | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75634722 | 36065307 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/13/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76371771 | 36103099 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.57240% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,943.21 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $10,029.56 (an overage of $1,913.65 or .57240%). | XXXXX Points and Fees exceed allowable threshold by $1,913.65 or .57240%. | 03/24/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78249790 | 35973275 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $327.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $327.00 exceeds tolerance of $300.00. Sufficient cure was provided to the borrower at Closing. (8304) | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922061 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/27/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922062 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | 02/27/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922064 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Reviewer Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-13): XXXXX Seller Comment (2026-03-11): XXXXX Seller Comment (2026-03-09): XXXXX Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-04): XXXXX |
03/24/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922065 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-24): XXXXX |
03/24/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922066 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-03): XXXXX Seller Comment (2026-03-02): XXXXX |
03/03/2026 | 1 | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73238003 | 35922068 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $753.50 exceeds tolerance of $619.00 plus 10% or $680.90. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $753.50 exceeds tolerance of $619.00 plus 10% or $680.90. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76828428 | 35936422 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.07810% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,716.25 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,883.26 (an overage of $2,832.99 or 1.07810%). | XXXXX Points and Fees exceed allowable threshold by $2,832.99 or 1.07810%. | 03/03/2026 | 2 | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76828428 | 35936432 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing from the file. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76828428 | 35936454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76828428 | 35936455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-05): XXXXX Seller Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71811229 | 35974217 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/09/2026 | 2 | B | B | B | B | MS | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71811229 | 36009033 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-11): XXXXX Reviewer Comment (2026-03-09): XXXXX |
03/11/2026 | 2 | B | B | B | B | MS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79442791 | 35857457 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-25): XXXXX |
03/05/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79442791 | 35857459 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.43163% or Final Disclosure APR of 9.83000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 9.43163% or Final Disclosure APR of 9.83000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76989064 | 35956187 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 03/05/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76989064 | 35956196 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/05/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72611339 | 36073887 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 indicates borrower will occupy property as Primary residence. However, subject property is a second home. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | C | A | C | A | AZ | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76682594 | 35966628 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-17): XXXXX |
03/27/2026 | 2 | C | B | C | B | IN | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76682594 | 35966686 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.10 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-17): XXXXX |
03/27/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76682594 | 35966700 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-17): XXXXX |
03/27/2026 | 1 | C | A | C | A | IN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76682594 | 35968581 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-17): XXXXX |
03/27/2026 | 1 | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78742730 | 36046573 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/16/2026 | 2 | B | B | B | B | ID | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78742730 | 36046632 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. | Reviewer Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-03): XXXXX |
04/13/2026 | 1 | C | A | C | A | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78742730 | 36072469 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/16/2026 | 2 | B | B | B | B | ID | Second Home | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156364 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file was missing a copy of the Purchase contract. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156370 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing a copy of the credit report. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156376 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file was missing a copy of the flood certificate. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156378 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The file was missing a copy of the appraisal report. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156471 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36156793 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the business bank statements for months of XXXXX, XXXXX, XXXXX, XXXXX and XXXXX. | Reviewer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-31): XXXXX |
04/01/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157042 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | The file was missing a copy of the appraisal report. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | D | A | D | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157201 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.49834% or Final Disclosure APR of 8.50900% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.49834% or Final Disclosure APR of 8.50900% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157202 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | B | A | B | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157203 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157342 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157344 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157345 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157346 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank XXXXX): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157348 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157358 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.76 is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-04-02): XXXXX Reviewer Comment (2026-04-01): XXXXX |
04/02/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36157359 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | The file was missing a copy of the credit report. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36158721 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36195890 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | A | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71424112 | 36196010 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | A | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76917707 | 35926497 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76917707 | 35926498 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $180.96 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $135.00 on LE but disclosed as $180.96 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76917707 | 35926527 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is not provided in the file. | Reviewer Comment (2026-03-06): XXXXX Seller Comment (2026-03-05): XXXXX |
03/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78075970 | 36081954 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $773.38 exceeds tolerance of $692.00 plus 10% or $761.20. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-17): XXXXX |
03/17/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79321765 | 35944015 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $124.60. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79321765 | 35944016 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $133.00 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $132.00.00 on LE but disclosed as $133.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $124.60. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79553450 | 35948592 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $625.00 on LE but disclosed as $725.00 on Final Closing Disclosure. File does contain a valid COC for this fee in the amount of $100.00 which is sufficient. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70760915 | 35948005 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/04/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36121755 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | 1 | C | A | C | A | PA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36121757 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,750.78 exceeds tolerance of $12,370.00. $380.78 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $12,370.00 on LE but disclosed as $12,750.78 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $380.78, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36121758 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36121759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $9,535.00 exceeds tolerance of $9,250.00. $285.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $9,250.00 on LE but disclosed as $9,535.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-27): XXXXX |
03/30/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36121776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX Property Tax Verification document is missing in file. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36173914 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | 1 | A | A | PA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70594853 | 36173915 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $9,535.00 exceeds tolerance of $9,250.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | 1 | A | A | PA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36016822 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-16): XXXXX |
03/20/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36016823 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The file was missing a copy of the VVOE document. | Reviewer Comment (2026-03-20): XXXXX Seller Comment (2026-03-18): XXXXX |
03/20/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36016828 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36016986 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The file was missing a copy of the verification of employment is required and was not found in file. | Reviewer Comment (2026-03-18): XXXXX |
03/18/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36016987 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The file was missing a copy of the Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-03-20): XXXXX Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/20/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78310722 | 36029863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75379438 | 35915694 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.18423% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $11,612.28 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $10,940.42 (an overage of $671.86 or .18423%). | 02/27/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75379438 | 35915697 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | No cure nor COC provided | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75379438 | 35915698 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $226.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | No cure nor COC provided | Reviewer Comment (2026-02-25): XXXXX |
02/25/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76013271 | 36036662 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/13/2026 | 2 | B | B | B | B | IL | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79479805 | 36046081 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.37754% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $15,790.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $10,821.14 (an overage of $4,968.86 or 1.37754%). | XXXXX Points and Fees exceed allowable threshold by $4,968.86 or 1.37754%. | 03/16/2026 | 2 | B | B | B | B | GA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77395958 | 35839844 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan allows for Partial Payments. | In final CD XX/XX/XX, page 4, partial payments section " may accept" & "does not accept" are both completed. | Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-02): XXXXX |
01/05/2026 | 2 | C | B | C | B | KS | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77395958 | 35839845 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. | - | Missing transcripts for income documentation years provided. | Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/07/2026 | 1 | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77395958 | 35839846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided | Borrower was living rent free prior to recent primary purchase. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | 2 | B | B | KS | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35848877 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.67797% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,820.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,825.51 (an overage of $1,994.49 or .67797%). | XXXXX Points and Fees exceed allowable threshold by $1,994.49 or .67797%. | 02/24/2026 | 2 | B | B | B | B | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35848880 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/24/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35848885 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.16943% or Final Disclosure APR of 9.18800% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.16943% or Final Disclosure APR of 9.18800% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-02): XXXXX |
03/02/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35848888 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-02): XXXXX Seller Comment (2026-02-24): XXXXX |
03/02/2026 | 1 | C | A | C | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35848891 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-05): XXXXX Reviewer Comment (2026-03-02): XXXXX |
03/05/2026 | 2 | B | B | B | B | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71924196 | 35951176 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/02/2026 | 2 | B | B | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71396648 | 35973853 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Abstract/Title Search fee was disclosed as $0.00 on LE but disclosed as $250.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-10): XXXXX |
03/17/2026 | 1 | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71396648 | 35973855 | Compliance | Compliance | State Compliance | Misc. State Level | XXXXX CMPA Home Loan Toolkit Timing | XXXXX Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | Home Loan Toolkit not provided to borrower within three (3) business days of application. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | 2 | B | B | B | B | MI | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77886295 | 36034675 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 8.38 is less than Guideline PITIA months reserves of 9.00. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/17/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77886295 | 36035573 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/17/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77886295 | 36035574 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/17/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75246649 | 36255042 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75246649 | 36255043 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $220.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78797682 | 36196374 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing in the amount of $50.00. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78797682 | 36196615 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
04/02/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78797682 | 36216737 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Triggered due to proof of receipt of appraisal being received by borrower at least three business days prior to closing was not in file. | 04/02/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78797682 | 36216738 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.94684% or Final Disclosure APR of 8.01100% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Mortgage Loan. | Triggered due to proof of receipt of appraisal being received by borrower at least three business days prior to closing was not in file. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78797682 | 36216739 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Triggered due to proof of receipt of appraisal being received by borrower at least three business days prior to closing was not in file. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72663931 | 36073452 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $556.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire Fee. Fee Amount of $556.00 exceeds tolerance of $495.00. Sufficient or excess cure in the amount of $61.00 was provided to the borrower at Closing. | Reviewer Comment (2026-03-16): XXXXX |
03/16/2026 | 1 | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72663931 | 36073454 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/18/2026 | 2 | B | B | B | B | CA | Second Home | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76585541 | 36074980 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification final version of appraisal was received by borrower prior to or at closing was not in file. | 03/18/2026 | 2 | B | B | B | B | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76585541 | 36074981 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower at closing was not provided. | 03/18/2026 | 2 | B | B | B | B | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974297 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-17): XXXXX Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-12): XXXXX |
03/17/2026 | 2 | C | B | C | B | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974341 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.99561% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $15,965.40 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,987.19 (an overage of $3,978.21 or .99561%). | XXXXX Points and Fees exceed allowable threshold by $3,978.21 or .99561%. | 03/09/2026 | 2 | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974344 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX HB 1399. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974345 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974346 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.44971% or Final Disclosure APR of 9.45000% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 9.44971% or Final Disclosure APR of 9.45000% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-03-11): XXXXX Seller Comment (2026-03-10): XXXXX |
03/11/2026 | 2 | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974347 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-10): XXXXX Seller Comment (2026-03-10): XXXXX |
03/10/2026 | 1 | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974348 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 35974349 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $132.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $132.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-03-05): XXXXX |
03/05/2026 | 1 | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78878538 | 36042161 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided Timely) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for prior to closing. | Newly provided disclosure is dated at closing, earlier dated disclosure not in file. | Reviewer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-16): XXXXX Seller Comment (2026-03-12): XXXXX |
03/19/2026 | 2 | B | B | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36035746 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/17/2026 | 1 | B | A | B | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36035903 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | 2 | B | B | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36035904 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.07042% or Final Disclosure APR of 8.06600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.07042% or Final Disclosure APR of 8.06600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-16): XXXXX |
03/27/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36035905 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-27): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-16): XXXXX |
03/27/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36035909 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $504.95 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $504.95 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): XXXXX |
03/11/2026 | 1 | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71031260 | 36166636 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-03-30): XXXXX |
04/01/2026 | 2 | B | B | CA | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79486660 | 36021065 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/12/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79486660 | 36029936 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73496117 | 36045450 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.37255% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $29,219.20 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $20,047.26 (an overage of $9,171.94 or 1.37255%). | XXXXX Points and Fees exceed allowable threshold by $9,171.94 or 1.37255%. | 03/17/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73496117 | 36045453 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $19,181.25 exceeds tolerance of $0.00. $19,181.25 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $0.00 on LE but disclosed as $19,181.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $19,181.25, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-19): XXXXX Seller Comment (2026-03-18): XXXXX |
03/19/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70800651 | 36081487 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Tax Verification for property XXXXX | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70800651 | 36081498 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Tax Verification for property XXXXX | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | C | A | C | A | TN | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76239533 | 36091026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to loan missing income documentation, loan is failing ATR. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76239533 | 36091027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current employment status using reasonably reliable third-party records. | Third party business verification provided in file is not dated, Business narrative is not signed or dated by the CPA/ tax preparer. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76239533 | 36091028 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Loan is missing income documentation. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76239533 | 36091033 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statement for account ending in XXXXX reflects two large deposits that were unsourced or explained on XX/XX/XX for $XXXXX and on XX/XX/XX for $XXXXX. The funds were not included by review and without them the borrower is short funds for reserves. | Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX |
03/31/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76239533 | 36091062 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-31): XXXXX |
03/31/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78080299 | 36253078 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $255.00 exceeds tolerance of $105.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $105.00 on LE but disclosed as $255.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): XXXXX |
04/07/2026 | 1 | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76319393 | 36240752 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $820.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $800.00 on LE but disclosed as $820.00 on Final Closing Disclosure. File does contain a cure in file with the amount $20.00 which is sufficient. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71847946 | 35974572 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/09/2026 | 2 | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71847946 | 35974579 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. | Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-17): XXXXX |
03/18/2026 | 2 | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71847946 | 36009035 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-24): XXXXX Seller Comment (2026-03-20): XXXXX |
03/30/2026 | 1 | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73294538 | 36013349 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.25157% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,581.94 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,840.60 (an overage of $741.34 or .25157%). | XXXXX Points and Fees exceed allowable threshold by $741.34 or .25157%. | 03/12/2026 | 2 | B | B | B | B | CA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73294538 | 36013352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,828.82 exceeds tolerance of $796.00. $3,032.82 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $796.00 on LE but disclosed as $3,828.82 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3,032.82, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-17): XXXXX Seller Comment (2026-03-13): XXXXX |
03/17/2026 | 1 | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36108364 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.08424% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,175.88 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,364.60 (an overage of $5,811.28 or 2.08424%). | XXXXX Points and Fees exceed allowable threshold by $5,811.28 or 2.08424%. | 03/24/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36108367 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second appraisal fee was last disclosed as $0.00 on LE but disclosed as $123.60 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36108368 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,936.47 exceeds tolerance of $3,736.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax fee was last disclosed as $3,736.00 on LE but disclosed as $4,060.07 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36109311 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-25): XXXXX |
03/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36109312 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $14,175.88. Threshold maximum is $13,941.00. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-25): XXXXX |
03/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36109313 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-25): XXXXX |
03/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36109314 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.08424% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $14,175.88 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $234.88 or .08424%). Non-Compliant High Cost Loan. | Total fees financed by lender is $14,175.88. Threshold maximum is $13,941.00. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-25): XXXXX |
03/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76656908 | 36109315 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status is not located in file. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-25): XXXXX |
03/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78284695 | 36091351 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Funds from IRA account were provided to support borrower's funds for closing. Per guidelines, proof of liquidation and receipt of funds must be provided and was missing from loan file. | Reviewer Comment (2026-03-30): XXXXX Seller Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-26): XXXXX Seller Comment (2026-03-26): XXXXX Reviewer Comment (2026-03-23): XXXXX Seller Comment (2026-03-23): XXXXX |
03/30/2026 | 1 | C | A | C | A | AZ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77303041 | 36105620 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. | 03/24/2026 | 2 | B | B | B | B | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77303041 | 36105768 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Final 1003 was not signed and dated. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73267910 | 36263821 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank XXXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Reviewer Comment (2026-04-15): XXXXX |
04/15/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73267910 | 36263822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide Good Faith Estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/XX/XX) | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70309591 | 36175452 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70309591 | 36175453 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $112.50 exceeds tolerance of $105.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $105.00 on LE but disclosed as $112.50 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): XXXXX |
03/30/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78403201 | 36192022 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file is missing a copy of Flood Certificate Document. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | 1 | C | A | C | A | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78403201 | 36194350 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 04/02/2026 | 2 | B | B | B | B | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71287611 | 36154498 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 2 | B | B | B | B | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71287611 | 36154502 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $152.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $125.00 on LE but disclosed as $152.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-26): XXXXX |
03/26/2026 | 1 | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71287611 | 36199231 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35953610 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | 2 | B | B | B | B | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35953611 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.45107% or Final Disclosure APR of 8.49700% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.45107% or Final Disclosure APR of 8.49700% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35953613 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-09): XXXXX Seller Comment (2026-03-09): XXXXX |
03/09/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35953615 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.45107% or Final Disclosure APR of 8.49700% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Compliant Higher Priced Loan. | APR on subject loan of 8.45107% or Final Disclosure APR of 8.49700% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Compliant Higher Priced Loan. | Reviewer Comment (2026-03-19): XXXXX |
03/19/2026 | 2 | B | B | B | B | OK | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35953617 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,045.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $650.00 on LE but disclosed as $1,045.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | 1 | A | A | A | A | OK | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35999800 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | 03/09/2026 | 2 | B | B | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77572226 | 35999801 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2026-03-25): XXXXX Seller Comment (2026-03-24): XXXXX |
03/25/2026 | 1 | A | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76252665 | 36168952 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of HOA Verification ($27.50) for REO #XXXXX | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | C | A | C | A | WA | Second Home | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78375644 | 36238354 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.91459% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,373.99 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $10,249.32 (an overage of $3,124.67 or .91459%). | XXXXX Points and Fees exceed allowable threshold by $3,124.67 or .91459%. | 04/08/2026 | 2 | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78375644 | 36238357 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79235763 | 36106349 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.71836% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,485.38 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,210.01 (an overage of $5,275.37 or 1.71836%). | XXXXX Points and Fees exceed allowable threshold by $5,275.37 or 1.71836%. | 03/24/2026 | 2 | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79235763 | 36106352 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $XXXXX on LE but disclosed as $XXXXX on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): XXXXX |
03/20/2026 | 1 | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410304 | 36082131 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-04-01): XXXXX Seller Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-26): XXXXX Seller Comment (2026-03-26): XXXXX |
04/01/2026 | 1 | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72946803 | 35984033 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/09/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72946803 | 35984088 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $183.00 plus 10% or $201.30. $48.70 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $67.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $67.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-12): XXXXX Seller Comment (2026-03-10): XXXXX |
03/12/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76349967 | 36267966 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77837642 | 35959676 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets required to meet the reserve requirement. Retirement acct # XXXXX tested at 60% per guides causing the deficiency. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-07): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/28/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77837642 | 35959682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was agency approved with an Originator Loan Designation of (Non-QM); but the required (Additional assets required to meet the reserve requirement.) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/28/2026 | 1 | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77837642 | 35959683 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was agency approved with an Originator Loan Designation of (Non-QM); but the required (Additional assets required to meet the reserve requirement.) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/28/2026 | 1 | C | A | C | A | NC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77872419 | 35959685 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/06/2026 | 1 | B | A | B | A | GA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77872419 | 35959687 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. | - | Per guidelines must obtain full tax transcripts for the most recent two (2) years of income provided and they are missing in the file. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/27/2026 | 1 | C | A | C | A | GA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77872419 | 35959688 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide a Hazard Insurance policy for XXXXX | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | GA | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959690 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Require Condo Warrantable documentation as File does not contain documentation from lender/seller confirming the condo is warrantable. The current project approval document in file Doc Id XXXXX reflects XXXXX review Status as "No XXXXX Review" and Lender Certification Status as "Not Certified by Lender" |
Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/08/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959691 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Require updated Hazard Insurance policy as the current Blanket Insurance policy expires within 60 days from note date and as per guidelines The policy must be effective for at least 60 days after the date of funding. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | 1 | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959694 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. $34.40 over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided at closing. This exception will be cleared when all other tolerance issues have been resolved. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959695 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Collateral Desktop Analysis. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/08/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959696 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Provide updated mortgage histories of the financed properties for the following mortgage loan reflecting on credit report Doc ID XXXXX and XXXXX. XXXXX #XXXXX or #XXXXX as per Credit Supplement Document Doc Id XXXXX XXXXX #XXXXX is a duplicate of XXXXX #XXXXX. Payment history must reflect 45 days have not elapsed since the last paid installment date month prior to closing. Credit Report Ordered date is XX/XX/XX and DLA is XX/XX/XX for XXXXX #XXXXX. Require XXXXX Months Mortgage History. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/09/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959697 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-08): XXXXX |
01/08/2026 | 1 | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76508378 | 35959698 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | A | A | CO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72519299 | 35959705 | Property | Valuation | Valutation Issue | Valuation | Program guidelines require 2 appraisals on loan amounts greater than $XXXXX. | Missing 2nd appraisal for loan amount > 2mm. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | 1 | A | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410689 | 35959717 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | B | A | B | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410689 | 35959718 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.03524% or Final Disclosure APR of 9.03500% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410689 | 35959719 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/21/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410689 | 35959722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,714.05 exceeds tolerance of $4,402.00. $312.05 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was disclosed as $7,547.00 on Initial LE and $4,714.05 on Final CD. Evidence of cure not provided in file. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/23/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75410689 | 35959723 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Mismatch in the DTI - Require corrected 1008 and 1003 supporting each other. REO amount and income is not matching with 1008 and final 1003 provided. Other REO obligations not included in ratios on 1008. |
Reviewer Comment (2026-01-02): XXXXX Buyer Comment (2026-01-02): XXXXX |
01/02/2026 | 1 | C | A | C | A | ID | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73535390 | 35959761 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing in file for REO property XXXXX. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/23/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73535390 | 35959763 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $16,019.00. Provide updated policy reflecting minimum coverage of $XXXXX as reflected on Replacement Cost Estimator provided in file. | Reviewer Comment (2026-01-23): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/23/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73535390 | 35959767 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. $595.00 over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Application Fee. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/16/2026 | 2 | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73535390 | 35959768 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Commitment Fee. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX Reviewer Comment (2026-01-08): XXXXX Buyer Comment (2026-01-07): XXXXX |
01/16/2026 | 2 | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73535390 | 35959769 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing evidence of the donor's ability to provide and transfer gift funds per XXXXX requirements. | Reviewer Comment (2026-01-09): XXXXX Buyer Comment (2026-01-08): XXXXX |
01/09/2026 | 1 | C | A | C | A | NJ | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959776 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1. All Borrowers must also provide evidence that business has been in existence for at least "two years" via CPA/Tax Preparer Letter, confirmation from regulatory or state agency, or applicable licensing bureau. 2. Also need to confirm percentage of ownership via reliable third party. Compliance related |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959778 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA Impact letter is missing for funds from business account # XXXXX. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959779 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | 1. All Borrowers must also provide evidence that business has been in existence for at least "two years" via CPA/Tax Preparer Letter, confirmation from regulatory or state agency, or applicable licensing bureau. 2. Also need to confirm percentage of ownership via reliable third party. Credit related |
Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959780 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $15,450.00. Provide updated policy reflecting minimum coverage of $XXXXX as reflected on the insurer's replacement cost estimate provided in file. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/28/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959783 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 7.94070% or Final Disclosure APR of 8.00900% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Loan. | Compliant Higher Priced Loan. | Buyer Comment (2026-01-13): XXXXX |
01/13/2026 | 2 | B | B | B | B | OK | Primary | Purchase | No obvious cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959785 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | B | A | OK | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78222402 | 35959786 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income and asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | C | A | OK | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77030357 | 35959825 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | BK filed XX/XX/XX and discharged XX/XX/XX. Missing a satisfactory letter of explanation for the event from the borrower. | Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/23/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76383412 | 35959834 | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided | 1084 or income worksheet for Self employment income is missing in file. | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX |
01/20/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76383412 | 35959835 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/20/2026 | 1 | B | A | B | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76383412 | 35959837 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $850.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Tolerance Violation for Appraisal Fee With Sufficient Cure Provided at closing. | Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/16/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76383412 | 35959838 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. $450.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $0.0 on Initial LE and $450 on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/20/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76383412 | 35959839 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-16): XXXXX |
01/16/2026 | 1 | A | A | MD | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959841 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. CU Score is 2.6. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
01/27/2026 | 1 | D | A | D | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959842 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require updated income worksheet and bank statement for XXXXX for Account # XXXXX or Statement for XXXXX for account # XXXXX as we have only 11 months consecutive bank statements Compliance related |
Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959843 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Require updated income worksheet and bank statement for XXXXX for Account # XXXXX or Statement for XXXXX for account # XXXXX as we have only 11 months consecutive bank statements. Credit related |
Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959844 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/22/2026 | 1 | B | A | B | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959845 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.27249% or Final Disclosure APR of 9.34000% is equal to or greater than the threshold of APOR 6.25% + 1.5%, or 7.75000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.28247% or Final Disclosure APR of 9.34000% is equal to or greater than the threshold of APOR 6.25% + 1.5%, or 7.75000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/22/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959846 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX |
01/22/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959847 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.57252% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,202.68 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $15,285.57 (an overage of $2,917.11 or .57252%). | EV2 informational | Buyer Comment (2026-01-14): XXXXX |
01/14/2026 | 2 | B | B | B | B | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959848 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income and asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70854277 | 35959854 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | 1. Provide For rental verification 12 months bank statements or canceled checks are required. Lease in file reflects $2,832 per month. Pay history reflects 9 payments | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/22/2026 | 1 | A | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78817032 | 36230813 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Rental History required for departure residence required. | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-09): XXXXX |
04/10/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74235563 | 36213368 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement missing in file. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-08): XXXXX |
04/13/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74235563 | 36214797 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | Hazard premium for XXXXX not verified in provided binder | Reviewer Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-08): XXXXX |
04/10/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74235563 | 36214860 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | P&L statement provided is not 3rd party prepared by a CPA as required by guideiline. | Reviewer Comment (2026-04-21): XXXXX Seller Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-08): XXXXX |
04/21/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74235563 | 36214992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | 1 | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74235563 | 36214999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. P&L statement is not CPA prepared as required. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | 1 | C | A | C | A | WA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72012474 | 36116966 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/25/2026 | 2 | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72012474 | 36116995 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0 on LE but disclosed as $123.60.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72012474 | 36116996 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $126.26 exceeds tolerance of $102.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $102.00 on LE but disclosed as $126.26 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $124.26.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71935517 | 36283735 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/16/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71935517 | 36283737 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XX/XX/XX) | Reviewer Comment (2026-04-22): XXXXX Seller Comment (2026-04-21): XXXXX |
04/22/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71935517 | 36283739 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $85.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee. Was last disclosed as $70.00 on Loan Estimate but disclosed as $85.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $15.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-14): XXXXX |
04/14/2026 | 1 | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73440533 | 35989873 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide the lender attestation if condo is warrantable or non-warrantable. If Non-Warrantable, max LTV is 75%. | Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/16/2026 | 1 | C | A | D | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73440533 | 35989874 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy Address: Unit number is missing. It should be noted, unit reflects unit number as XXXXX vs. all other documents which reflect XXXXX. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-14): XXXXX |
02/18/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI > 50%. Lender utilized 100% of account #XXXXX for XXXXX through XXXXX, however account is personal co-mingled prior to the borrower incorporating and opening a business account. Expense factor should have been applied to these statements. | Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-18): XXXXX |
02/19/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989901 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $178.90 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $178.90 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989902 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 missing in the file. | Reviewer Comment (2026-02-17): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/17/2026 | 1 | B | A | B | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989905 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI > 50%. Lender utilized 100% of account #XXXXX for XXXXX through XXXXX, however account is personal co-mingled prior to the borrower incorporating and opening a business account. Expense factor should have been applied to these statements. | Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/19/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989906 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.31563% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI > 50%. Lender utilized 100% of account #XXXXX for XXXXX through XXXXX, however account is personal co-mingled prior to the borrower incorporating and opening a business account. Expense factor should have been applied to these statements. | Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-18): XXXXX |
02/19/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79501802 | 35989907 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI > 50%. Lender utilized 100% of account #XXXXX for XXXXX through XXXXX, however account is personal co-mingled prior to the borrower incorporating and opening a business account. Expense factor should have been applied to these statements. | Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-18): XXXXX |
02/19/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76226722 | 35989914 | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-24): XXXXX |
02/24/2026 | 1 | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76226722 | 35989916 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,296.00 exceeds tolerance of $1,912.00. $13,384.00 over legal limit. Insufficient or no cure was provided to the borrower. | Cure nor valid COC provided | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/24/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76226722 | 35989917 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | The business returns are not signed and dated by each borrower as required by guidelines. | Reviewer Comment (2026-03-04): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76226722 | 35989918 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The business returns are not signed and dated by each borrower as required by guidelines. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76226722 | 35989919 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The business returns are not signed and dated by each borrower as required by guidelines. | Reviewer Comment (2026-03-04): XXXXX |
03/04/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71205235 | 35989940 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | XXXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71205235 | 35989941 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Payee reflects TBD. Provide the corrected PC-CD and LOE to cure. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-20): XXXXX |
02/20/2026 | 2 | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70185950 | 35989942 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/18/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70185950 | 35989945 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | TBD reflected for Home Warranty Fee. Provide the corrected PC-CD and LOE to cure. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-18): XXXXX Buyer Comment (2026-02-17): XXXXX |
02/19/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71678008 | 36255674 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71678008 | 36255701 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified liquid assets in the amount of $0 are insufficient to meet cash to close of $80,316.63. Final 1008 reflects $115,011.72 verified, however, unable to use business funds' assets. CPA indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis) may be used for down payment and reserves not provided. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71678008 | 36255746 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | C | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71678008 | 36255756 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient asset verification document. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75768710 | 36155303 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | 2 | B | B | B | B | IL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75768710 | 36155304 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.06574% or Final Disclosure APR of 8.07900% is equal to or greater than the threshold of APOR 5.98% + 1.5%, or 7.48000%. Non-Compliant Higher Priced Mortgage Loan. | HPML requirements not met. Subject appraisal does not reflect correct address for subject property. Lender to provide updated appraisal reflecting correct address. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75768710 | 36155305 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75768710 | 36155307 | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | 1 | C | A | C | A | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75768710 | 36215073 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-03): XXXXX |
04/08/2026 | 2 | B | B | IL | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78009363 | 36082081 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75647524 | 36033504 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | 2 | B | B | B | B | MS | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75647524 | 36033505 | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Late Charge Percent and Amount Testing > $100,000 | XXXXX Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $5, whichever is greater. | Note late charge of 5.00000% exceeds state maximum of 4% or $5, whichever is greater. | Reviewer Comment (2026-03-25): XXXXX Reviewer Comment (2026-03-18): XXXXX Seller Comment (2026-03-16): XXXXX |
03/25/2026 | 2 | B | B | B | B | MS | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75647524 | 36082083 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | MS | Second Home | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72672971 | 36082091 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77818107 | 36063806 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/13/2026 | 2 | B | B | B | B | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77818107 | 36082095 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | AZ | Primary | Purchase | Non QM | Non QM | No | |||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77924635 | 36105054 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/24/2026 | 2 | B | B | B | B | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77924635 | 36105055 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.77548% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,899.99 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,044.94 (an overage of $2,855.05 or .77548%). | XXXXX Points and Fees exceed allowable threshold by $2,855.05 or .77548%. | 03/24/2026 | 2 | B | B | B | B | TN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77924635 | 36105062 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 2.98 is less than Guideline PITIA months reserves of 3.00. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/27/2026 | 2 | C | B | C | B | TN | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77924635 | 36105096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/27/2026 | 1 | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77924635 | 36105097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-27): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/27/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70190991 | 36292151 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | XXXXX Constitution Section 50(a)(6): Acceptable XXXXX title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the XXXXX T-42 endorsement or the T-42.1 endorsement. (The loan is a XXXXX Section 50 (a)(6) home equity loan.) | Acceptable XXXXX title insurance endorsements were not obtained for the home equity loan. The loan file does not evidence that the Title Policy includes the XXXXX T-42 endorsement or the T-42.1 endorsement. (The loan is a XXXXX Section 50 (a)(6) home equity loan.) | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | 2 | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70190991 | 36294981 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in the file. | Reviewer Comment (2026-04-22): XXXXX |
04/22/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75519175 | 36231272 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $220.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as $150.00 on LE but disclosed as $220.00on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75519175 | 36235839 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 04/07/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71293064 | 36035436 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | A letter from a CPA must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. If a CPA letter is not provided, a cash flow analysis of the business assets and liabilities (balance sheet) must be completed. The CPA letter notes the business should not be affected by the loan payments vs. the withdrawal of funds needed for the transaction. | Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/25/2026 | 1 | C | A | C | A | CO | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71293064 | 36035437 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Title reflects the lender on the current transaction was also the original lender. | Reviewer Comment (2026-03-10): XXXXX Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-03): XXXXX |
03/10/2026 | 2 | B | B | B | B | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76263197 | 36248645 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 04/09/2026 | 2 | B | B | B | B | MN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76263197 | 36248646 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.83109% or Final Disclosure APR of 8.89000% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.83109% or Final Disclosure APR of 8.89000% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-04-17): XXXXX |
04/17/2026 | 1 | C | A | C | A | MN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76263197 | 36248647 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-14): XXXXX Seller Comment (2026-04-14): XXXXX |
04/17/2026 | 1 | C | A | C | A | MN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77862441 | 36166505 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
03/31/2026 | 2 | B | B | B | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77862441 | 36166583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,206.39 exceeds tolerance of $3,660.00 plus 10% or $4,026.00. $180.39 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $180.39 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $180.39, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-20): XXXXX |
04/20/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76939154 | 36290333 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. $400.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $0.00 on LE but disclosed as $400.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-21): XXXXX |
04/21/2026 | 1 | C | A | C | A | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039095 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Copy of Account Statements - Business is missing for XXXXX month XX/XX/XX, for the business 'XXXXX' from the account ending #XXXXX. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | C | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank XXXXX): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Copy of Account Statements - Business is missing for XXXXX month XX/XX/XX, for the business 'XXXXX' from the account ending #XXXXX. | Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Copy of Account Statements - Business is missing for XXXXX month XX/XX/XX, for the business 'XXXXX' from the account ending #XXXXX. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039101 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Missing XXXXX bank statement, as 24 months are required. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039102 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-10): XXXXX Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-22): XXXXX |
03/10/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039103 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier receipt not provided | Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039104 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Product changed from Initial to Final. (Fixed 30 to I/O 10 year, 30). Evidence of earlier receipt of the initial CD not provided. | Reviewer Comment (2026-03-11): XXXXX Buyer Comment (2026-03-10): XXXXX |
03/11/2026 | 1 | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039105 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-02-23): XXXXX |
02/23/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78996882 | 36039106 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Transfer letter not provided | Reviewer Comment (2026-02-23): XXXXX Buyer Comment (2026-02-22): XXXXX |
02/23/2026 | 1 | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154470 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/30/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154471 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): HOA blanket policy does not include walls-in coverage and guideline required HO-6 not escrowed on a 1st lien mortgage loan. | HOA blanket policy does not include walls-in coverage and guideline required HO-6 not escrowed on a 1st lien mortgage loan. | Reviewer Comment (2026-04-13): XXXXX Seller Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | C | A | C | A | FL | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154472 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.27899% or Final Disclosure APR of 8.34300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.27899% or Final Disclosure APR of 8.34300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-04-13): XXXXX Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-10): XXXXX |
04/13/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154473 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154474 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.98809% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $12,810.63 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $7,704.73 (an overage of $5,105.90 or 1.98809%). | XXXXX Points and Fees exceed allowable threshold by $5,105.90 or 1.98809%. | 03/30/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36154481 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file is missing a copy of Hazard Master Policy Document. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36155271 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.24045% exceeds Guideline total debt ratio of 55.00000%. Included XXXXX revolving account not paid at close. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36155278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36155279 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.24045% moderately exceeds the guideline maximum of 55.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71460276 | 36155290 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds guideline, XXXXX account not paid included in DTI calculation. | Reviewer Comment (2026-04-10): XXXXX Seller Comment (2026-04-10): XXXXX |
04/10/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75773854 | 36195224 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.34508% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,390.07 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,421.37 (an overage of $968.70 or .34508%). | XXXXX Points and Fees exceed allowable threshold by $968.70 or .34508%. | 04/02/2026 | 2 | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75773854 | 36195258 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
04/02/2026 | 2 | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75175658 | 36250238 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): XXXXX |
04/07/2026 | 1 | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75175658 | 36250239 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $351.00 exceeds tolerance of $219.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $351.00 exceeds tolerance of $219.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): XXXXX |
04/07/2026 | 1 | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75175658 | 36250257 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $108,824.65 is less than Cash From Borrower $145,326.21. EMD is listed on the CD as $50,000 but documentation was not provided verifying the source of the EMD or verification the EMD was delivered. | Reviewer Comment (2026-04-15): XXXXX Seller Comment (2026-04-14): XXXXX |
04/15/2026 | 1 | C | A | C | A | CT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77729886 | 36238047 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $29,265.55 exceeds tolerance of $29,252.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36115795 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | D | A | D | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36116180 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.66541% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,301.90 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $15,797.89 (an overage of $3,504.01 or .66541%). | XXXXX Points and Fees exceed allowable threshold by $3,504.01 or .66541%. | 03/25/2026 | 2 | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36116183 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | 2 | C | B | C | B | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36116631 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36116639 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36148399 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per XXXXX missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. Missing CPA letter or cash flow analysis. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36148414 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $175,392.62. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36148421 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/08/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70065105 | 36216525 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines loan amounts < $2,000,000 require a secondary valuation product. Secondary valuation must be within -10% tolerance of appraised value. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Lender provided CU score as secondary valuation. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 2 | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72769575 | 36221100 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. | Reviewer Comment (2026-04-20): XXXXX Seller Comment (2026-04-16): XXXXX |
04/20/2026 | 2 | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79653043 | 36273200 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-13): XXXXX |
04/13/2026 | 1 | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145910 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/27/2026 | 2 | B | B | B | B | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145911 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. | Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX Seller Comment (2026-03-30): XXXXX |
04/02/2026 | 1 | C | A | C | A | GA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145912 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.31843% or Final Disclosure APR of 9.59300% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.31843% or Final Disclosure APR of 9.59300% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. | Reviewer Comment (2026-04-03): XXXXX Reviewer Comment (2026-04-02): XXXXX Seller Comment (2026-04-01): XXXXX Seller Comment (2026-03-30): XXXXX |
04/03/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145913 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-03): XXXXX Seller Comment (2026-04-03): XXXXX Reviewer Comment (2026-03-31): XXXXX Seller Comment (2026-03-30): XXXXX |
04/03/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145914 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.28929% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,320.55 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $8,500.82 (an overage of $819.73 or .28929%). | XXXXX Points and Fees exceed allowable threshold by $819.73 or .28929%. | 03/27/2026 | 2 | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36145917 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $500.00 on LE but disclosed as $600.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-25): XXXXX |
03/25/2026 | 1 | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36215585 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Reviewer Comment (2026-04-09): XXXXX Seller Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-08): XXXXX Seller Comment (2026-04-07): XXXXX |
04/09/2026 | 2 | B | B | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79718124 | 36215592 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Not Provided Timely | RESPA: Initial escrow account statement was not provided to the borrower within 45 calendar days of closing. | Initial escrow account statement was not provided to the borrower within 45 calendar days of closing. | Reviewer Comment (2026-04-08): XXXXX Reviewer Comment (2026-04-02): XXXXX |
04/08/2026 | 2 | B | B | GA | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75652947 | 36238140 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.84760% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,454.44 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $15,168.75 (an overage of $4,285.69 or .84760%). | XXXXX Points and Fees exceed allowable threshold by $4,285.69 or .84760%. | 04/08/2026 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36232750 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 5.75522% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $7,636.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $3,980.38 (an overage of $3,655.62 or 2.75522%). | XXXXX Points and Fees exceed allowable threshold by $3,655.62 or 2.75522%%. | 04/07/2026 | 2 | B | B | B | B | SC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36232752 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Failing ATR due to missing credit report. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | B | A | SC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36232755 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. Failing ATR due to missing credit report. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | C | A | SC | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36232759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,947.00 exceeds tolerance of $1,239.00. $708.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fee Was last disclosed as $1239.00 on LE but disclosed as $XXXXX.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $708.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-23): XXXXX Reviewer Comment (2026-04-17): XXXXX Seller Comment (2026-04-16): XXXXX |
04/23/2026 | 2 | C | B | C | B | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36232822 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | C | A | SC | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72794961 | 36249022 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | File is missing a copy of the credit report. | Reviewer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | D | A | D | A | SC | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75812673 | 36231084 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $143.25 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $134.00 on LE but disclosed as $143.25 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing in the amount of $480.95 | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | 1 | A | A | A | A | AL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75812673 | 36231085 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $671.00 exceeds tolerance of $292.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as $292.00 on LE but disclosed as $671.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing in the amount of $480.95. | Reviewer Comment (2026-04-03): XXXXX |
04/03/2026 | 1 | A | A | A | A | AL | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75812673 | 36231117 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.68264% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,665.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $11,946.60 (an overage of $2,718.40 or .68264%). | XXXXX Points and Fees exceed allowable threshold by $2,718.40 or .68264%. | 04/07/2026 | 2 | B | B | B | B | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79336542 | 36168802 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.14290% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,010.84 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $9,555.65 (an overage of $455.19 or .14290%). | XXXXX Points and Fees exceed allowable threshold by $455.19 or .14290%. | 03/31/2026 | 2 | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71188677 | 36255955 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): XXXXX |
04/08/2026 | 1 | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156506 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2025-12-08): XXXXX Buyer Comment (2025-12-04): XXXXX |
12/08/2025 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156508 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-02): XXXXX Buyer Comment (2025-11-28): XXXXX |
12/02/2025 | 1 | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156509 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): Mandatory escrow account not established on 1st lien mortgage loan. | High Priced findings require an escrow account. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-02): XXXXX Buyer Comment (2025-12-31): XXXXX |
01/22/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156510 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.58691% or Final Disclosure APR of 8.63400% is equal to or greater than the threshold of APOR 6.24% + 1.5%, or 7.74000%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-13): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-02): XXXXX Buyer Comment (2025-12-31): XXXXX |
01/22/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156511 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-02): XXXXX |
12/02/2025 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Page 2 Section A of of Final CD reflects fees paid to Broker. Note reflects broker information however page 5 of Final Cd does not reflect broker information. | Reviewer Comment (2026-01-11): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-01): XXXXX Buyer Comment (2025-12-31): XXXXX Reviewer Comment (2025-11-19): XXXXX Buyer Comment (2025-11-19): XXXXX |
01/11/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156515 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an Estimated Taxes, Insurance, and Assessments payment reflects $0.00 and does not match the actual payment for the loan. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-11): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-01): XXXXX Buyer Comment (2025-12-31): XXXXX |
01/13/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-11): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-01): XXXXX Buyer Comment (2025-12-31): XXXXX Reviewer Comment (2025-11-14): XXXXX |
01/13/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156517 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-11): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-01): XXXXX Buyer Comment (2025-12-31): XXXXX |
01/13/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156518 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account and does not specify the reason. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2026-01-11): XXXXX Buyer Comment (2026-01-09): XXXXX Reviewer Comment (2026-01-01): XXXXX Buyer Comment (2025-12-31): XXXXX |
01/13/2026 | 2 | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156520 | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. | Updated 1008, Final 1003 is required with updated income and proposed PITIA amount. Provided document reflects SS income considered twice and taxes and Insurance for primary subject property not considered. DTI variance is because Lender has considered SS income twice and failed to consider taxes and insurance for subject property however DTI is within guideline limit of 50%.Also required PCCD with page 1 corrected with projected payments and page 4 and 5 with updated info. | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-05): XXXXX Reviewer Comment (2025-12-31): XXXXX Buyer Comment (2025-12-31): XXXXX |
02/03/2026 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156521 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2025-12-08): XXXXX Buyer Comment (2025-12-04): XXXXX |
12/08/2025 | 1 | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156522 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Reviewer Comment (2025-12-08): XXXXX Reviewer Comment (2025-12-05): XXXXX Buyer Comment (2025-12-04): XXXXX |
12/08/2025 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156523 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Correct application date is XX/XX/XX, earliest date on 1003. | Reviewer Comment (2025-12-08): XXXXX Buyer Comment (2025-12-04): XXXXX Reviewer Comment (2025-12-02): XXXXX Buyer Comment (2025-11-28): XXXXX |
12/08/2025 | 1 | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156524 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Correct application date is XX/XX/XX, earliest date on 1003. | Reviewer Comment (2025-12-08): XXXXX Buyer Comment (2025-12-04): XXXXX Reviewer Comment (2025-12-02): XXXXX Buyer Comment (2025-11-28): XXXXX |
12/08/2025 | 1 | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156525 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Correct application date is XX/XX/XX, earliest date on 1003. | Reviewer Comment (2025-12-08): XXXXX Buyer Comment (2025-12-04): XXXXX |
12/08/2025 | 1 | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156527 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | [ New Exception as a result of Updated CD issued on XX/XX/XX noted ] Initial Escrow Account Disclosure not provided. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
01/27/2026 | 1 | A | A | CA | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76884619 | 36156528 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | [ New Exception as a result of Updated CD issued on XX/XX/XX noted ] Final Closing Disclosure provided on XX/XX/XX disclosed an Estimated Total Monthly Payment of $4,374.25 not a correct Estimated Monthly Payment for payment stream 1. Total estimated payment should be $4,781.79 for the loan. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-21): XXXXX |
01/22/2026 | 2 | B | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75391387 | 36156535 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | UW Income worksheet is missing in file for bank statement income. Compliance Related |
Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75391387 | 36156536 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75391387 | 36156537 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75391387 | 36156538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $433.00 exceeds tolerance of $0.00. $433.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $0.00 on LE but disclosed as $433.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
02/02/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156545 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet is missing in file. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156546 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | D | A | D | A | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156548 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date XX/XX/XX, Disbursement Date: XX/XX/XX, require updated Insurance binder covering effective on disbursement date. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/19/2026 | 2 | C | B | C | B | TN | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156552 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156553 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-06): XXXXX |
01/06/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156555 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-01-06): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/06/2026 | 1 | B | A | B | A | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is XX/XX/XX which was after the date of the initial Loan Estimate provided electronically issued XX/XX/XX. | Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/05/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74157571 | 36156558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was issued XX/XX/XX and closing was XX/XX/XX. | Reviewer Comment (2026-01-05): XXXXX Buyer Comment (2026-01-05): XXXXX |
01/05/2026 | 1 | C | A | C | A | TN | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156578 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Need CPA letter confirming if XXXXX, XXXXX and XXXXX are three different companies or is a same company known by these 3 names. Received Account Statements - Business, VVOE-Business/Third Party Verification and Business Narrative showing three different names. Credit related |
Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX |
02/02/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156579 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Exception already raised for "Need CPA letter confirming if XXXXX, XXXXX and XXXXX are three different companies or is a same company known by these 3 names. Received Account Statements - Business, VVOE-Business/Third Party Verification and Business Narrative showing three different names.", duplicate exception, compliance related. Compliance related |
Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX |
02/02/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156580 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional asset required to meet the reserve requirements. Undocumented POCB's affecting remaining cash available. | Reviewer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
02/02/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156582 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.43099% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,940.12 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $15,686.55 (an overage of $2,253.57 or .43099%). | EV2 informational | Buyer Comment (2025-12-23): XXXXX |
12/23/2025 | 2 | B | B | B | B | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156584 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX |
02/02/2026 | 1 | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156586 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-20): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-13): XXXXX |
02/02/2026 | 1 | C | A | C | A | TX | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70301327 | 36156587 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. | Subject property is rural with no zoning, adjoins to borrower's commercial business property, appears to meet acceptability requirements. Client to review and confirm acceptability | Reviewer Comment (2025-12-24): XXXXX Buyer Comment (2025-12-24): XXXXX |
12/24/2025 | 1 | C | A | C | A | TX | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156603 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Buyer Comment (2025-12-11): XXXXX |
12/11/2025 | 2 | B | B | B | B | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156606 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Subject address is XXXXX and HOI reflects XXXXX E. Lender to provide corrected HOI correcting subject address. | Reviewer Comment (2025-12-17): XXXXX Buyer Comment (2025-12-16): XXXXX |
12/17/2025 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156608 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | Document B1 percentage of ownership in XXXXX Credit related |
Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156609 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | Document B1 percentage of ownership in XXXXX Credit related |
Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156610 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Document B1 percentage of ownership in XXXXX via reliable third party. Compliance related |
Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156611 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | UT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156612 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | |||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77144881 | 36156613 | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. | Provide updated payment history for #XXXXX DLA XX/XX/XX (XX/XX/XX Payment documentation) and #XXXXX (XX/XX/XX Payment documentation) DLA XX/XX/XX. All payment histories must reflect 0X30 measured from the credit report date. On the credit report date,(XX/XX/XX) the existing mortgage(s) must be current, which means that no more than 45 days have elapsed since the last paid installment date. |
Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX Reviewer Comment (2025-12-19): XXXXX Buyer Comment (2025-12-18): XXXXX |
01/13/2026 | 1 | A | A | UT | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156614 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-26): XXXXX |
12/29/2025 | 1 | B | A | B | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156615 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.27438% or Final Disclosure APR of 8.33100% is equal to or greater than the threshold of APOR 6.19% + 1.5%, or 7.69000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.27438% or Final Disclosure APR of 8.33100% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-26): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156616 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-26): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156617 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA Impact letter confirming that the use of business funds from XXXXX business bank account ending with #XXXXX will not negatively impact the business. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156618 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Require CPA Letter as per guidelines The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156619 | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.27438% or Final Disclosure APR of 8.33100% is equal to or greater than the threshold of APOR 6.19% + 1.5%, or 7.69000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 8.27438% or Final Disclosure APR of 8.33100% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX |
02/05/2026 | 1 | B | A | B | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156620 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Require Mortgage Statement Stating Taxes and Insurance are escrowed and Lease agreement for property XXXXX Require Mortgage Statement Stating Taxes and Insurance are escrowed for property XXXXX. |
Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
01/15/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156621 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require CPA Letter as per guidelines The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. Also need CPA for asset impact. Compliance related |
Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156623 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX |
02/05/2026 | 1 | B | A | B | A | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156625 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank XXXXX): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Require Lease agreement as it is missing for property XXXXX. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
01/15/2026 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156626 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-01-15): XXXXX |
01/15/2026 | 1 | A | A | A | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156628 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
01/15/2026 | 1 | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74817441 | 36156629 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the CPA Letter required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. | Reviewer Comment (2025-12-29): XXXXX Buyer Comment (2025-12-29): XXXXX |
12/29/2025 | 1 | C | A | C | A | MD | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156638 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Updated appraisal require with correct zip code, XXXXX. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156640 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement not signed by co-borrower XXXXX. Require updated purchase contract or addendum including Co-Borrower name and signature. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | 1 | D | A | D | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156641 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.07734% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Credit Tradeline XXXXX, XXXXX and XXXXX omitted from DTI calculation, however omission proof is missing. Additionally Provide QCD for XXXXX as Borrower Quit claiming the property ownership. Credit supplement still shows mortgage under borrower. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156642 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Credit Tradeline XXXXX, XXXXX and XXXXX omitted from DTI calculation, however omission proof is missing. Additionally Provide QCD for XXXXX as Borrower Quit claiming the property ownership. Credit supplement still shows mortgage under borrower. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156643 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Buyer Comment (2026-01-14): XXXXX |
01/14/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156645 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-16): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/30/2026 | 1 | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156647 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156648 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to DTI exceeding guideline limit. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX Reviewer Comment (2026-01-23): XXXXX Buyer Comment (2026-01-22): XXXXX Reviewer Comment (2026-01-21): XXXXX Buyer Comment (2026-01-20): XXXXX Reviewer Comment (2026-01-16): XXXXX Buyer Comment (2026-01-15): XXXXX |
01/27/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Available Seller CD does not have any fees paid by Seller. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70538733 | 36156650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | 1004D (Re-Inspection) Fee was disclosed as $0 on Initial LE and $1150 on Final CD. No Evidence of cure and no valid COC provided in file. $0 cure already provided on CD. | Reviewer Comment (2026-01-15): XXXXX Buyer Comment (2026-01-14): XXXXX |
01/15/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70544925 | 36156661 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file. | Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
01/13/2026 | 1 | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70544925 | 36156665 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | XXXXX Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | Missing invoice for Appraisal, title and credit charges to confirm charges. | Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-13): XXXXX Buyer Comment (2026-01-12): XXXXX |
02/04/2026 | 1 | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156666 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156667 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA letter is required to provide evidence of percentage of ownership. Compliance Related |
Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156669 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | CPA letter is required to provide evidence of percentage of ownership. Compliance Related |
Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156670 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA impact letter is required for using Funds from Business Account #XXXXX. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-28): XXXXX |
01/30/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156671 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156672 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156673 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156675 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/22/2026 | 1 | B | A | B | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156676 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $2,204,513.34 is over disclosed by $2,000.00 compared to the calculated Amount Financed of $2,202,513.34 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Amount Financed disclosed is $2,204,513.34 Calculated Amount Financed is $2,202,513.34 Variance of $1500, XXXXX under section H included in testing. | Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-29): XXXXX Buyer Comment (2026-01-28): XXXXX |
02/05/2026 | 1 | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156677 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $3,528,149.44 is under disclosed by $1,500.00 compared to the calculated Finance Charge of $3,529,649.44 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $3,528,149.44 Calculated finance charge is $3,530,149.44. Variance of -$1500, Transaction Coordinator XXXXX under section H included in testing. | Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX Reviewer Comment (2026-01-29): XXXXX Buyer Comment (2026-01-28): XXXXX |
02/05/2026 | 1 | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156678 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing, earlier receipt is missing in the file. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | C | A | CA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156679 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $14,766.50 may be required. | File is missing the required Loan Estimate and evidence delivery. | Reviewer Comment (2026-01-28): XXXXX |
01/28/2026 | 1 | C | A | C | A | CA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $2,300.00 exceeds tolerance of $2,200.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance fee on Loan Estimate as copy is missing in the file and fee is disclosed as $2,300.00 on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-01-28): XXXXX Buyer Comment (2026-01-27): XXXXX |
01/28/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72213867 | 36156683 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156703 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Duplicate exception, Two year history of employment not confirmed through business license as business name not the same as for the business income being used for qualification. All Borrowers must also provide evidence that the business has been in existence for at least two years via CPA/Tax Preparer Letter, confirmation from regulatory or state agency or applicable licensing bureau. Credit related | Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156705 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Two year history of employment not confirmed through business license as business name not the same as for the business income being used for qualification. All Borrowers must also provide evidence that the business has been in existence for at least two years via CPA/Tax Preparer Letter, confirmation from regulatory or state agency or applicable licensing bureau. Compliance related. | Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
02/04/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156710 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to insufficient income documentation-missing CPA letter. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/18/2026 | 1 | C | A | B | A | SC | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156711 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current employment status using reasonably reliable third-party records. | Loan Designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. CPA letter required to confirm two years of employment history. | Reviewer Comment (2026-02-18): XXXXX Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-10): XXXXX Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/18/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156712 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Loan Designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Documentation not provided to confirm two years of employment history. | Reviewer Comment (2026-02-18): XXXXX |
02/18/2026 | 1 | A | A | A | A | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 78583393 | 36156713 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | This exception will be cleared once all ATR specific exceptions have been cured/cleared. documentation not provided to confirm two years of employment history. | Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | SC | Primary | Refinance - Rate/Term | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75406548 | 36156720 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Borrowers must provide evidence that the business has been in existence for at least two years via CPA/Tax Preparer Letter, confirmation from regulatory or state agency, or applicable licensing bureau. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-22): XXXXX Buyer Comment (2026-01-22): XXXXX |
01/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75406548 | 36156721 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Need CPA letter confirming borrowers' ownership percentage in business, and to confirm the business has been in existence for at least two years. | Reviewer Comment (2026-01-30): XXXXX |
01/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75406548 | 36156724 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was approved with an Originator Loan Designation of (Non-QM) but the required CPA letter was not provided causing the loan to waterfall through the Non-QM Testing. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
01/30/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75406548 | 36156725 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-01-30): XXXXX Buyer Comment (2026-01-29): XXXXX |
01/30/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79119852 | 36156727 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Document supporting Other Payments $1,258.28. Per 1003 PITI is $4,168.00 and HOA of $2,000.00. HOA provided in file is for $741.72 per month. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-29): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
02/02/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79119852 | 36156729 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA impact letter is required for using Funds from Business Account #XXXXX. | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-01-27): XXXXX Buyer Comment (2026-01-26): XXXXX |
02/12/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74835496 | 36156737 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide previous appraisal reports. | Reviewer Comment (2026-01-26): XXXXX Buyer Comment (2026-01-23): XXXXX |
01/26/2026 | 1 | B | A | B | A | ID | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70262415 | 36156739 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence of appraisal report provided is an updated report. Delivery confirmations dated XX/XX/XX is earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | 1 | B | A | B | A | ID | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70262415 | 36156741 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.50337% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $28,505.00 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $18,989.12 (an overage of $9,515.88 or 1.50337%). | EV2 informational | Buyer Comment (2026-01-20): XXXXX |
01/20/2026 | 2 | B | B | B | B | ID | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79325928 | 36156749 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | As per guidelines a business narrative is required from the borrower to describe the type of business and number of employees. Per CPA Letter provided, the borrower has no employees but it does not specify the type of business. | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/12/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79325928 | 36156752 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/12/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79325928 | 36156753 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Business Narrative document per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. | Reviewer Comment (2026-02-12): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/12/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79325928 | 36156754 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/11/2026 | 1 | B | A | B | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77968993 | 36156773 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Borrower XXXXX & XXXXX current address is XXXXX, (Property sold XX/XX/XX) XXXXX mort #XXXXX, 4 months, open date XX/XX/XX paid date XX/XX/XX as per credit report, no delinquency noted + XX/XX/XX mortgage statement, missing payment verified paid within month due for XX/XX/XX | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX |
02/03/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77968993 | 36156774 | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided | Missing transcripts for income years provided. | Reviewer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/11/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77968993 | 36156775 | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided | Missing transcripts for income years provided. | Reviewer Comment (2026-02-13): XXXXX Buyer Comment (2026-02-11): XXXXX Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/13/2026 | 1 | C | A | C | A | TN | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need evidence of property being free and clear. | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/03/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156778 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. $299.87 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax Fee was disclosed as $XXXXX on Initial LE and $XXXXX on Final CD. Evidence of cure not provided in file. COC not present. | Reviewer Comment (2026-02-02): XXXXX Buyer Comment (2026-01-30): XXXXX |
02/02/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156779 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Provided bank statements are more than 120 days old. Need most recent 1 months bank statement within 120 days of note date. Acct# XXXXX. | Reviewer Comment (2026-02-04): XXXXX Buyer Comment (2026-02-04): XXXXX Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/04/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156780 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations. | Reviewer Comment (2026-02-03): XXXXX Buyer Comment (2026-02-02): XXXXX |
02/03/2026 | 1 | B | A | B | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156783 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-09): XXXXX Buyer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX |
02/09/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156784 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-04): XXXXX |
02/09/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72375905 | 36156785 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | LOX noted that K-1 unavailable, however, guides require Missing one of the following for XXXXX year end earnings must be documented to support ongoing receipt of 1099 income with either of the following and must be within 10% of qualifying income: o Checks or a single check stub with YTD totals or o YTD bank statements |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
30 vs 12 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-09): XXXXX Buyer Comment (2026-02-09): XXXXX Reviewer Comment (2026-02-05): XXXXX Buyer Comment (2026-02-03): XXXXX |
02/09/2026 | 2 | C | B | C | B | FL | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70289982 | 36156874 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Require 6 months additional housing history from XX/XX/XX to XX/XX/XX with previous address XXXXX as per guidelines for rental verification, a credit supplement, standard VOR completed by a professional management company or 12 months bank statements or canceled checks are required or LOE is required if Borrower was living Rent Free, as per guidelines XXXXX requires a 12-month housing history. Borrower current address is XXXXX, XXXXX #XXXXX, 6 months history verified from XX/XX/XX paid till XX/XX/XX as per VOM Doc Id XXXXX. Previous address is XXXXX no history of rent or LOE provided with regards to details of this property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
20 vs 9 | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-11): XXXXX Buyer Comment (2026-02-11): XXXXX |
02/11/2026 | 2 | C | B | C | B | TN | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 77219605 | 36156952 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $141.00 exceeds tolerance of $125.00 plus 10% or $137.50. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): XXXXX |
02/02/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | Non QM | Non QM | Yes | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75354893 | 36157029 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Need Letter of Explanation (LOE) from the borrower for late credit payments under derogatory accounts. | Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/16/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75354893 | 36157033 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-19): XXXXX |
02/19/2026 | 1 | A | A | A | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75354893 | 36157034 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Missing the Borrower's business ownership percentage must be at least 25%. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/19/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75354893 | 36157035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/19/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 75354893 | 36157036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current employment status using reasonably reliable third-party records. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-19): XXXXX Reviewer Comment (2026-02-16): XXXXX Buyer Comment (2026-02-13): XXXXX |
02/19/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73355895 | 36281297 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Escrow instructions show the correct loan amount; please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-27): XXXXX |
04/16/2026 | 2 | B | B | B | B | CA | Primary | Purchase | Non QM | Non QM | No | ||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73053955 | 36295730 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/20/2026 | 2 | B | B | B | B | MD | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325872 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. | Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-18): XXXXX |
02/19/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325873 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing evidence of unfettered access to Account #XXXXX. Missing CPA /CFA confirming no impact for use of acct#XXXXX. |
Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.65503% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The lender has provided two underwriting worksheets-one based on 12-month bank statements and another based on 24-month bank statements. As borrower is XXXXX in restaurant selling XXXXX with the employee count 4. 1) According to the 1008 and the Rate Lock, the qualifying income has been derived from the 12-month bank statements. Using the 12-month bank statement income, a variance in DTI has been identified. 2) The lender calculated income using 100% usability from the business account. Per guidelines, a 50% expense factor must be applied. After applying the required expense ratio, the borrower's DTI exceeds the allowable guideline limits. |
Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325879 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender has provided 2 Underwriting worksheets. one is for 12 months and another one is for 24 months. As per 1008 & Rate lock, it shows 12 month bank statement income. DTI variance - lender has considered 100% usability for income calculation by using Business account. As per guidelines, we have considered expense ratio as 50%, due to this DTI is exceeding the guideline requirement. |
Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
03/03/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325880 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Borrowers who have lived in a rent-free situation are ineligible. No verification for rent free status found at time of review. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/16/2026 | 2 | C | B | C | B | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74878022 | 36325881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The excessive DTI results in ATR Risk. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
03/03/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70171530 | 36325944 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) is required with updated income and total expenses. Provided 1008 has incorrect income and total expense includes PITIA of pending sale property. | Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-25): XXXXX Reviewer Comment (2026-02-19): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/25/2026 | 1 | C | A | C | A | AL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70171530 | 36325947 | Compliance | Compliance | State Compliance | State Late Charge | XXXXX Late Charge Percent and Amount Testing | XXXXX Late Charge: Note late charge amount of $286.10 exceeds the state maximum of $100. | Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-24): XXXXX |
02/25/2026 | 1 | B | A | B | A | AL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70171530 | 36325949 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Closing Disclosure provided is not stamped or signed for the sale of XXXXX. Need signed CD. Without using these funds, the file will be short funds to close. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | 1 | C | A | C | A | AL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70171530 | 36325950 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per seller, the Note on this loan had to be corrected. Provide copy of corrected Note. | Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX |
03/12/2026 | 1 | A | A | AL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325962 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument in file is missing " true and certified stamped copy of the original recorded". | Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/26/2026 | 1 | D | A | D | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325963 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A business narrative is required from the borrower to describe the type of business and number of employees. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/03/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325968 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis fees was disclosed as $0.00 on Initial LE and $205.00 on Final CD. No Evidence of cure and no valid COC provided in file | Reviewer Comment (2026-03-05): XXXXX Buyer Comment (2026-03-04): XXXXX |
03/05/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325969 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/03/2026 | 1 | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325970 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-03-02): XXXXX |
03/03/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325971 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Loan images/file not provided | In the appraisal report, a photograph has not been provided for Comparable 6, XXXXX. | Reviewer Comment (2026-03-03): XXXXX Buyer Comment (2026-02-27): XXXXX |
03/03/2026 | 1 | D | A | D | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70610570 | 36325972 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Reviewer Comment (2026-02-27): XXXXX Buyer Comment (2026-02-26): XXXXX |
02/27/2026 | 1 | B | A | B | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326006 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification $350/mo, XXXXX is missing | Reviewer Comment (2026-03-06): XXXXX Buyer Comment (2026-03-04): XXXXX Reviewer Comment (2026-02-25): XXXXX Buyer Comment (2026-02-24): XXXXX |
03/06/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326008 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | Require CPA letter stating percentage of ownership. Credit Related | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326009 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | Third party verification required as provided SOS search does not have document date. Credit Related | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326010 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA or licensed tax preparer to provide a statement indicating withdrawal of the funds will not negatively impact the business. | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326011 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1) Require percentage of ownership via reliable third party and 2) Third party Verification Require as provided SOS search does not have document date. Compliance Related | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326012 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76097462 | 36326013 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-10): XXXXX Buyer Comment (2026-02-10): XXXXX |
02/10/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 72715174 | 36326048 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,313.25 exceeds tolerance of $3,914.00. $399.25 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was disclosed as $3,914.00 on Initial LE and $4,313.25 on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-02-24): XXXXX Buyer Comment (2026-02-23): XXXXX |
02/24/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76697663 | 36326070 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA letter stating funds withdrawn from the business account #XXXXX will not negatively impact the business. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/09/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76697663 | 36326075 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/09/2026 | 1 | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76697663 | 36326076 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX Reviewer Comment (2026-02-26): XXXXX Buyer Comment (2026-02-26): XXXXX |
03/09/2026 | 1 | C | A | C | A | TX | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74483492 | 36326098 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | City name on HOI policy reflects as XXXXX instead of "XXXXX". Provide corrected HOI policy with updated city name as per title document. | Reviewer Comment (2026-02-20): XXXXX Buyer Comment (2026-02-19): XXXXX |
02/20/2026 | 1 | C | A | C | A | GA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70449961 | 36326161 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Borrowers who have lived in a rent-free situation are ineligible. Borrower is staying rent free for more than 3 months. Lender exception available in file with compensating factor: Fico Score - 784 and Previous clean housing history for 42 months.- Lender Exception is not signed as Approved. Please confirm investor acceptability for downgrade consideration. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-10): XXXXX |
03/12/2026 | 2 | C | B | C | B | OH | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70449961 | 36326166 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | XXXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not Provided | Reviewer Comment (2026-03-12): XXXXX Buyer Comment (2026-03-11): XXXXX |
03/12/2026 | 1 | B | A | B | A | OH | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71576269 | 36492656 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Require LOX for the amount $4,400.00 & $5,100.00 reflecting in XXXXX #XXXXX. | Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/18/2026 | 1 | C | A | C | A | AL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71576269 | 36492660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/18/2026 | 1 | C | A | B | A | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71576269 | 36492661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-18): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/18/2026 | 1 | C | A | C | A | AL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71576269 | 36492662 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Primary LO not listed on the Closing CD. Please provide corrected PCCD and LOE to the consumer disclosing NMLS information for primary LO at closing XXXXX. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-17): XXXXX |
03/19/2026 | 1 | A | A | AL | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71640647 | 36492731 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | No. of employees information is missing on received business narrative. Business narrative is required from the borrower mentioning number of employees. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX |
03/19/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71640647 | 36492734 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Received VOR covering 11 months for current primary residence XXXXX. As per guideline need 12-month housing history. As per final 1003, borrower's previous primary address was XXXXX with monthly rent of $XXXXX. Please provide a VOR completed by a professional management company or payment history. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-13): XXXXX Buyer Comment (2026-03-12): XXXXX Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-09): XXXXX |
03/19/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71640647 | 36492735 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-10): XXXXX |
03/19/2026 | 1 | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 71640647 | 36492736 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-19): XXXXX Buyer Comment (2026-03-18): XXXXX |
03/19/2026 | 1 | C | A | C | A | CA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492822 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | As per guidelines a business narrative is required from the borrower to describe the type of business and number of employees, number of employees is not mentioned in the current business Narrative document, require updated document with number of employees. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/31/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492823 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | For property XXXXX, require proof and source document that mortgage is paid off by business (Free and Clear) and tax and insurance is being paid by business, per 1008 document additional instructions - This home was purchased in name of Borrower's business and the business pays for taxes and insurance, no HOA and mortgage has been paid off. Require 12-month payment history from the business, XXXXX on this property. | Reviewer Comment (2026-03-10): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/10/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492824 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated Hazard Insurance and Replacement Cost Estimate document for subject property with city name shown as "XXXXX," not "XXXXX". | Reviewer Comment (2026-03-11): XXXXX Buyer Comment (2026-03-09): XXXXX |
03/11/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492825 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | As per guidelines Copy of security instrument submitted in the file must be a true and certified stamped copy of the original recorded security instrument. | Reviewer Comment (2026-03-03): XXXXX |
03/03/2026 | 1 | D | A | D | A | FL | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492830 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/31/2026 | 1 | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492831 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. | Reviewer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/31/2026 | 1 | C | A | C | A | FL | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74214938 | 36492832 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. The initial CD dated XX/XX/XX APR is blank and unable to test. | Reviewer Comment (2026-03-24): XXXXX Buyer Comment (2026-03-23): XXXXX Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-19): XXXXX Reviewer Comment (2026-03-09): XXXXX Buyer Comment (2026-03-06): XXXXX |
03/24/2026 | 1 | C | A | C | A | FL | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492883 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage | Title report reflects "XXXXX ", All credit docs reflect "XXXXX ", all doc to be updated to match title or title to be changed or client to accept as is. | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-23): XXXXX |
03/23/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492884 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/31/2026 | 1 | B | A | B | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent dated XX/XX/XX. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-07): XXXXX Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX Reviewer Comment (2026-03-30): XXXXX Buyer Comment (2026-03-27): XXXXX |
04/08/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492887 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception provided but not signed- #XXXXX Min credit requirement - A minimum of three (3) tradeline from traditional credit source hat reported for 24 months or more. The borrower has limited credit, two trade-lines reporting with 24 months or more. XXXXX & XXXXX. The next closet is XXXXX with 16 months , closed in XXXXX. Review for acceptance. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-12): XXXXX |
03/16/2026 | 2 | C | B | C | B | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492888 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Guidelines require funds from a business account XXXXX (if the Borrower is the sole owner of the company or the other owner is the non-borrowing spouse and the company's CPA or licensed tax preparer provides a statement indicating withdrawal of the funds will not negatively impact the business or meets XXXXX guidance for cash flow analysis) may be used for down payment and closing costs. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/07/2026 | 2 | C | B | C | B | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492889 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Guidelines require funds from a business account XXXXX (if the Borrower is the sole owner of the company or the other owner is the non-borrowing spouse and the company's CPA or licensed tax preparer provides a statement indicating withdrawal of the funds will not negatively impact the business or meets XXXXX guidance for cash flow analysis) may be used for down payment and closing costs. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-07): XXXXX |
04/07/2026 | 2 | C | B | C | B | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492890 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the appraisal was provided at least three (3) business days prior to consummation. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/31/2026 | 1 | B | A | B | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492891 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.98420% or Final Disclosure APR of 8.98800% is equal to or greater than the threshold of APOR 6.14% + 2.5%, or 8.64000%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX |
03/31/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492892 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the appraisal was provided at least three (3) business days prior to consummation. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX |
03/31/2026 | 1 | C | A | C | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492893 | Credit | Income / Employment | Income Documentation | Income / Employment | Document Error: Bank statement account number not provided. | Lender Exception provided but not signed for Use of business asset when the borrower is not the sole owner of the business. 50% owner on one and 40% on the other. Business give as 13 month reserve. Review for acceptance |
Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): XXXXX Buyer Comment (2026-03-12): XXXXX |
03/16/2026 | 2 | B | B | B | B | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 70599079 | 36492894 | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | Reviewer Comment (2026-03-31): XXXXX Buyer Comment (2026-03-27): XXXXX |
03/31/2026 | 1 | B | A | B | A | UT | Primary | Purchase | Non QM | Exempt from ATR | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74822287 | 36492970 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 3.76 is less than required PITIA months reserves of 6 months. Additional assets required. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-20): XXXXX Buyer Comment (2026-04-17): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/20/2026 | 2 | C | B | C | B | VA | Primary | Purchase | Non QM | Non QM | No | |||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74822287 | 36492971 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-21): XXXXX Buyer Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/21/2026 | 1 | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74822287 | 36492972 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income and asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-21): XXXXX Buyer Comment (2026-04-20): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/21/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74822287 | 36492973 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Need updated hazard insurance doc with correct street address as XXXXX. | Reviewer Comment (2026-03-17): XXXXX Buyer Comment (2026-03-16): XXXXX |
03/17/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 74822287 | 36492974 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Per guidelines, when the Borrower is purchasing a new property as an Owner-Occupied residence, but will still retain ownership of their existing residence which is being converted to an investment property, the following requirements apply: • Up to 75% of the rental income can be used to offset the mortgage payment (PITIA) of the property being retained and rented, if there is: o A fully executed lease agreement and either: ü A copy of the tenant's check for security deposit as well as proof of deposit into the Borrower's account. ü The first month of rental payment as well as proof of deposit into the Borrower's account is required. Missing proof of security deposit or 1st month of rental payment. |
Reviewer Comment (2026-04-20): XXXXX Buyer Comment (2026-04-16): XXXXX Reviewer Comment (2026-04-03): XXXXX Buyer Comment (2026-04-01): XXXXX |
04/20/2026 | 1 | C | A | C | A | VA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76374093 | 36493008 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Required CPA letter indicating withdrawal of the funds will not negatively impact the business acct# XXXXX. | Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-30): XXXXX Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-24): XXXXX |
04/01/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76374093 | 36493009 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76374093 | 36493010 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-01): XXXXX |
04/01/2026 | 1 | C | A | C | A | FL | Second Home | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73270029 | 36493016 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA is more than 120 days from the note date, must also provide evidence that business has been in existence for at least two years via CPA/Tax Preparer Letter. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/25/2026 | 1 | C | A | C | A | MS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73270029 | 36493020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/25/2026 | 1 | C | A | B | A | MS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73270029 | 36493022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/25/2026 | 1 | C | A | C | A | MS | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73270029 | 36493023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $550.00 on Initial LE and $600.00 on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-04-01): XXXXX Reviewer Comment (2026-03-25): XXXXX Buyer Comment (2026-03-23): XXXXX |
04/02/2026 | 2 | C | B | C | B | MS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 73270029 | 36493025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Unapproved Lender Exception: Maximum number of NSF's allowable is 3 occurrences within a 12 month period and the borrower has 4 with none in the most recent 3 months. Please note: The checks that had OD fees were posted on the same date XX/XX/XX but were charged the OD fee on 2 separate dates; this, counted as 2 rather than one, per XXXXX, when an inquiry was made. Otherwise, the borrower is within guidelines. This, an exception is being sought. Compensating Factors: Reserves are greater than min. required. DTI is lower than maximum. Job Stability for greater than 10 years. Residual income is high. Please review for acceptance. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): XXXXX Buyer Comment (2026-03-18): XXXXX |
03/20/2026 | 2 | C | B | C | B | MS | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493049 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing Right to Receive Copy of Appraisal. No Loan Estimate provided. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | B | A | B | A | LA | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493050 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The file was missing evidence of appraisal being provided to borrower. No waiver provided. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | B | A | B | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493051 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.27502% or Final Disclosure APR of 8.32100% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.27502% or Final Disclosure APR of 8.32100% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493052 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Verification of right to receive copy of appraisal was delivered to borrower was not provided. No Loan Estimate in file. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Good faith redisclosure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493053 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493054 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-04-02): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/02/2026 | 1 | B | A | B | A | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing initial CD. | Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/01/2026 | 1 | C | A | C | A | LA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493056 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,924.31 may be required. | Missing initial LE. Fees baselined at $0 pending LE. | Reviewer Comment (2026-04-01): XXXXX Buyer Comment (2026-03-31): XXXXX |
04/01/2026 | 1 | C | A | C | A | LA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493058 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower qualified with 12 months bank statement income however only 11 months bank statements for account #XXXXX for the period from XX/XX/XX to XX/XX/XX are available. Please provide one-month additional bank statement dated XX/XX/XX to XX/XX/XX. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/26/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/09/2026 | 1 | C | A | B | A | LA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493060 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income and credit documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-02): XXXXX |
04/02/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493061 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank XXXXX): Guidelines require less than 12 consecutive months bank statements. | Borrower qualified with 12 months bank statement income however only 11 months bank statements for account #XXXXX for the period from XX/XX/XX to XX/XX/XX are available. Please provide one-month additional bank statement dated XX/XX/XX to XX/XX/XX. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-09): XXXXX |
04/09/2026 | 1 | B | A | B | A | LA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493062 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Borrower qualified with 12 months bank statement income however only 11 months bank statements for account #XXXXX for the period from XX/XX/XX to XX/XX/XX are available. Please provide one-month additional bank statement dated XX/XX/XX to XX/XX/XX. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/26/2026 | 1 | C | A | C | A | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493063 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Borrower is staying in a rent-free situation for more than 3 months at property address XXXXX, (3 years, 1 month) and credit report does not have other mortgage histories. Based on the situation borrower is ineligible per guideline. As per 1008 - "Rent free exception on file", however approved lender exception is missing. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/23/2026 | 2 | C | B | C | B | LA | Primary | Purchase | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76888177 | 36493064 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,000.00 exceeds tolerance of $0.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,000.00 exceeds tolerance of $0.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-08): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/08/2026 | 1 | A | A | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Non QM | Non QM | Yes | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79981302 | 36493077 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | XXXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment (2026-03-23): XXXXX Buyer Comment (2026-03-19): XXXXX |
03/23/2026 | 1 | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79981302 | 36493078 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | For XXXXX we are missing a document showing Ownership percentage of Business. Need CPA Letter. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-24): XXXXX |
03/26/2026 | 1 | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79981302 | 36493080 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/26/2026 | 1 | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79981302 | 36493081 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-26): XXXXX Buyer Comment (2026-03-25): XXXXX |
03/26/2026 | 1 | C | A | C | A | SC | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493087 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require 1084 or income worksheet as it is missing in file for 12 Months Business bank Statement income calculation. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-08): XXXXX |
04/09/2026 | 1 | C | A | C | A | MI | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493089 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Require CPA Impact letter confirming that the use of business funds from XXXXX business bank account ending with #XXXXX will not negatively impact the business. | Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-15): XXXXX Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-08): XXXXX |
04/16/2026 | 1 | C | A | C | A | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493090 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | Require Third party verification document since per guides all Borrowers must also provide evidence that business has been in existence for at least two years via CPA/Tax Preparer Letter, confirmation from regulatory or state agency, or applicable licensing bureau. CPA Letter and other Third Party documents in file do not confirm the duration of business. | Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | C | A | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493092 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.37156% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $67,376.18 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $46,237.17 (an overage of $21,139.01 or 1.37156%). | EV2 Informational | Buyer Comment (2026-04-01): XXXXX |
04/01/2026 | 2 | B | B | B | B | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493095 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient asset and income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-16): XXXXX Buyer Comment (2026-04-16): XXXXX |
04/16/2026 | 1 | C | A | C | A | MI | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79939027 | 36493097 | Credit | Fraud | General | Fraud | Medium - Fraud Alert identified on Fraud Report | Borrower has Fraud alert on credit, missing verification of how Lender verified borrowers' identity. | Reviewer Comment (2026-04-09): XXXXX Buyer Comment (2026-04-08): XXXXX |
04/09/2026 | 1 | A | A | MI | Primary | Purchase | Non QM | Non QM | No | ||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493154 | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided | Deposit receipts is missing for Gift Funds for the amount $XXXXX | Reviewer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-09): XXXXX Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/10/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | ||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493156 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Loan Estimate dated XX/XX/XX was provided on the same day as Closing Disclosure dated XX/XX/XX. LE signed XX/XX/XX | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/07/2026 | 1 | C | A | C | A | PA | Primary | Purchase | No Defined cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493158 | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.50165% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $10,212.58 on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $6,805.89 (an overage of $3,406.69 or 1.50165%). | EV2 | Buyer Comment (2026-04-02): XXXXX |
04/02/2026 | 2 | B | B | B | B | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493159 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Application date is XX/XX/XX and the Disclosure is dated XX/XX/XX. | Reviewer Comment (2026-04-06): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/06/2026 | 1 | B | A | B | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Loan Estimate dated XX/XX/XX was provided on the same day as Closing Disclosure dated XX/XX/XX. | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX |
04/07/2026 | 1 | C | A | C | A | PA | Primary | Purchase | No Defined Cure | Non QM | Non QM | No | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493161 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Per guidelines, for 1009 income, YTD earnings must be documented to support ongoing receipt of 1099 income with either of the following and must be within 10% of qualifying income: o Checks or a single check stub with YTD totals o YTD bank statements Missing proof of YTD earnings. |
Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-03): XXXXX |
04/07/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493162 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Per guidelines, for 1009 income, YTD earnings must be documented to support ongoing receipt of 1099 income with either of the following and must be within 10% of qualifying income: o Checks or a single check stub with YTD totals o YTD bank statements Missing proof of YTD earnings. |
Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/07/2026 | 1 | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes | ||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-07): XXXXX |
04/07/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 76556939 | 36493164 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated XX/XX/XX | Reviewer Comment (2026-04-07): XXXXX Buyer Comment (2026-04-06): XXXXX Reviewer Comment (2026-04-06): XXXXX Buyer Comment (2026-04-03): XXXXX |
04/07/2026 | 1 | C | A | C | A | PA | Primary | Purchase | Non QM | Non QM | No | |||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 79219457 | 36493175 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was provided post closing XX/XX/XX | Buyer Comment (2026-04-10): XXXXX Reviewer Comment (2026-04-10): XXXXX Buyer Comment (2026-04-08): XXXXX |
04/10/2026 | 2 | B | B | B | B | FL | Primary | Purchase | Non QM | Non QM | No |