Exhibit 99.2 Schedule 3
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | 568468 | Closed | 2025-12-22 01:24 | 2026-01-15 08:00 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 6729118 | N/A | N/A | ||||||
| XXXX | 568468 | Closed | 2025-12-23 03:13 | 2026-01-15 07:58 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved updated XXXX & XXXX screens with income matching the income worksheets provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX Counter-Provide the final revised XXXX & XXXX once the income worksheet issue is resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Counter-Provide revised XXXX & XXXX to match revised income worksheets. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX Open-DTI discrepancy on the loan. The DTI calculated is XX.X% but Originator DTI is XX.XX%. Variance is X.XX due to the difference in income and in liabilities, our calculated income is $XX,XXX.XX whereas the XXXX page XXX income is $XX,XXX and the liability listed on the XXXX page XXX of $XXX which does not appear on the credit report or the credit supplement. Provide revised documentation XXXX/XXXX and statement for the $XXX liability. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX |
Resolved-Resolved updated XXXX & XXXX screens with income matching the income worksheets provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXX.XXXX.XXX_XXXXX_ XXXXXXX XXXXXXX XXXX.XXXX.XXX_XXXXX_ XXXXXXX XXXXXXX XXXX.XXXX X.XX.XXX |
XXXX | Primary Residence | Purchase | NA | 6755806 | N/A | N/A | ||||
| XXXX | 568468 | Closed | 2025-12-23 02:39 | 2026-01-15 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Resolved. Updated income with the provided income calculation worksheets provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Income Worksheets - XXXXXX-XX/XX/XXXX Counter-Acct #XXXX the XX/XXXX statement was not used in the income calculation and Acct #XXXX the calculation does not appear to be calculating the ownership and expense ratio percentage accurately. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-November bank statements in file. Provide income worksheets with the most recent XX months bank statements in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Provided Bank Statement Summary Lender Worksheet / Income Calculator Income matches with XXXX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Income Worksheets - XXXXXX-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide updated income worksheet as the one in file does not match to the income provided on the XXXX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated Income Worksheets - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Income Worksheets - XXXXXX-XX/XX/XXXX |
Resolved-Resolved. Updated income with the provided income calculation worksheets provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Provided Bank Statement Summary Lender Worksheet / Income Calculator Income matches with XXXX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX X.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX X.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX X X.XX.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX X X.XX.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX X.XX.XXX |
XXXX | Primary Residence | Purchase | NA | 6755662 | N/A | N/A | ||||
| XXXX | 568468 | Closed | 2025-12-23 03:55 | 2025-12-31 10:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-received PCCD with Lenders title in correct section - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated PCCD - XXXXXX-XX/XX/XXXX Open-As per Final CD page XXX Title Lender Title Insurance is paid to provider XXXXXX XXXXX XXXXXXXXX XXX that's not on provider List page XXX, but the Lender Fees is still in Section B, Move the Fees to Section C or Provide updated service provider. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated PCCD - XXXXXX-XX/XX/XXXX |
Resolved-received PCCD with Lenders title in correct section - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 6756072 | N/A | N/A | ||||
| XXXX | 568468 | Closed | 2025-12-21 23:41 | 2025-12-26 03:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alerts. Provide an updated fraud report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 6728641 | N/A | N/A | ||||
| XXXX | 766864 | Closed | 2025-12-27 10:46 | 2026-01-22 11:22 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-CoC provided and updated for Recording Service Fee. The fee variance for the discount fee is XX cents and is within tolerance limits. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. COC XX/XX showing added Fee - . A cure is not needed since we are within tolerance - XXXXXX-XX/XX/XXXX Counter-Change of circumstance required for fees being added to a disclosure that were not on previous disclosures. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - fee is within the allowed XX% tolerance allowance, for overall box B. This meets XXXX XXXXXXXXXX. A COC is not required since adding the fee is within allowed limits. - XXXXXX-XX/XX/XXXX Counter-Change of circumstance required for fees being added to a disclosure that were not on previous disclosures. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - XXXXXX-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide the COC for Recording Fee being added to CDs, when not on LEs. Loan Discounts Fee Increase was within $X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC XX/XX showing added Fee - . A cure is not needed since we are within tolerance - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - fee is within the allowed XX% tolerance allowance, for overall box B. This meets XXXX XXXXXXXXXX. A COC is not required since adding the fee is within allowed limits. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - XXXXXX-XX/XX/XXXX |
Resolved-CoC provided and updated for Recording Service Fee. The fee variance for the discount fee is XX cents and is within tolerance limits. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_ XXXXX_XXXXXX XXXXXXXXXXXX.XXX_XXXXX_ XXXXX XXX XX-XX-XX.XXX |
XXXX | Primary Residence | Purchase | NA | 6823645 | N/A | N/A | ||||
| XXXX | 766864 | Closed | 2025-12-27 10:08 | 2026-01-13 06:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' Asset letter provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Access Letter - XXXXXX-XX/XX/XXXX Counter-Please provide LOE or additional assets/reserves. We have Borrower and Non Borrower on As per the Bank Statement XXX XXXXXXXX XXXX #XXXX but we don't have the letter of expiation per borrower using the those accounts funds. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller certificate - XXXXXX-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. We have Borrower and Non Borrower on As per the Bank Statement XXX XXXXXXXX XXXX #XXXX but we don't have the letter of expiation per borrower using the those accounts funds. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Access Letter - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Seller certificate - XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved' Asset letter provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_ XXXXXX XXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 6823568 | N/A | N/A | ||||
| XXXX | 766864 | Closed | 2025-12-27 09:43 | 2026-01-04 21:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 6823527 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 03:30 | 2026-02-10 14:42 | Waived | 2 - Non-Material | B | B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Waived-The loan's (X.XX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a B Grade - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Waived-The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Waived-The loan's (X.XX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a B Grade - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 6867213 | Originator Post-Close | No | ||||||
| XXXX | 965260 | Closed | 2025-12-31 02:30 | 2026-01-27 04:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower lives Rent Free, Provided Lox, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. LOE - XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Pert XX XX.XX.XXXX page #XX, XX-month housing history required for primary residence. Hence provide proof of document for XX months housing history or provide an LOE from the homeowner confirming the rent free status if borrower is living rent-free per the final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. LOE - XXXXXX-XX/XX/XXXX |
Resolved-Borrower lives Rent Free, Provided Lox, Changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX XXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 6866686 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 03:35 | 2026-01-27 04:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated bank statement provided for closing date. Total assets adequate. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statement showing sufficient assets - Seller-XX/XX/XXXX Counter-Total qualified assets of $XX,XXX.XX from bank statement. Cash required from borrower XXXXX.XX. Total Qualified Asset Post Close are XXXXX.XX totaling X.XXmonths of of reserves. This does not meet guideline requirement of X months. Please provide what you are using as assets, XXXX also states bank statement as qualifying asset. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We show we have sufficient assets - Seller-XX/XX/XXXX Open-Per GL XX.XX.XXXX matrix, when LTV is greater than XX%, minimum X months reserves are required. However the loan file has only X.XX months reserves. Provide sufficient assets to meet minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statement showing sufficient assets - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. We show we have sufficient assets - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated bank statement provided for closing date. Total assets adequate. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXX XXXXXX XXXX - XXXXXX.XXX_XXXXX_ XX XXXXXX XX XXXXXXXXXXX XXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 6867248 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 06:15 | 2026-01-12 08:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Received signed final CD updated final CD page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final CD dated - Seller-XX/XX/XXXX Open-Provide updated final CD as the one in file is missing borrower sign date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final CD dated - Seller-XX/XX/XXXX |
Resolved-Received signed final CD updated final CD page. - Due Diligence Vendor-XX/XX/XXXX |
XX - XXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 6869517 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 02:59 | 2026-01-08 00:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 2 Missing | Resolved-Proof for EMD Funds of $XX,XXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EMD - Seller-XX/XX/XXXX Open-Evidence to earnest money deposit in the amount of $XX,XXX being received was not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EMD - Seller-XX/XX/XXXX |
Resolved-Proof for EMD Funds of $XX,XXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 6866855 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 03:02 | 2026-01-07 23:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXX XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 6866881 | N/A | N/A | ||||
| XXXX | 965260 | Closed | 2025-12-31 03:30 | 2026-01-05 06:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX and confirmation the appraisal was delivered to the borrower – see page # XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX and confirmation the appraisal was delivered to the borrower – see page # XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 6867212 | N/A | N/A | ||||||
| XXXX | 1163656 | Closed | 2026-01-08 03:29 | 2026-01-15 09:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Asset Record X Meets G/L Requirements Or Not Applicable. Only $XXk of $XXk gift was provided. Assets meet DP and reserves requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The gift from XXXX in the full amount was not needed. This should be okay as is. - Seller-XX/XX/XXXX Counter-The wire provided from XXXX is for $XXk and the gift letter from XXXX is $XXk. Provide the wire for the additional $XXk. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gift wire - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for gift funds of $XX,XXX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The gift from XXXX in the full amount was not needed. This should be okay as is. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Gift wire - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Asset Record X Meets G/L Requirements Or Not Applicable. Only $XXk of $XXk gift was provided. Assets meet DP and reserves requirement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXXX.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 6976725 | N/A | N/A | ||||
| XXXX | 1163656 | Closed | 2026-01-09 16:49 | 2026-01-15 07:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Income with XXXX/XXXX - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide a revised XXXX with income to match the income worksheet on page XXX in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated Income with XXXX/XXXX - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXX.XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 7019104 | N/A | N/A | ||||
| XXXX | 1163656 | Closed | 2026-01-09 16:49 | 2026-01-15 07:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved. The Final XXXX is Present with the correct income amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Income with XXXX/XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Provide a revised XXXX with income to match the income worksheet on page XXX in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated Income with XXXX/XXXX - Seller-XX/XX/XXXX |
Resolved-Resolved. The Final XXXX is Present with the correct income amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXX.XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 7019095 | N/A | N/A | ||||
| XXXX | 1163656 | Closed | 2026-01-08 02:55 | 2026-01-15 07:36 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX,XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX,XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 6976544 | N/A | N/A | ||||||
| XXXX | 1362052 | Closed | 2026-01-12 04:20 | 2026-01-22 12:56 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC XX/XX/XX - Seller-XX/XX/XXXX Counter-Need the COC where the appraisal fee increased and shows the credit back at closing - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. there was a tolerance cure given to the borrower, as disclosed on page X of our final CD for $XXX due to the increase in the Appraisal fee from $XXX LE disclosure to $XXX final amount. Please see the attached screen shot of page X of our final CD - Seller-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for Increase in appraisal fee from LE $XXX to CD $XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC XX/XX/XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. there was a tolerance cure given to the borrower, as disclosed on page X of our final CD for $XXX due to the increase in the Appraisal fee from $XXX LE disclosure to $XXX final amount. Please see the attached screen shot of page X of our final CD - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX XXXX XXX $XXX XXXXXXXXX XXXXX XX XXXXXXX.XXX_XXXXX_ XXXXXXXXX XXX XX-XX-XX.XXX |
XXXX | Primary Residence | Purchase | NA | 7031624 | N/A | N/A | ||||
| XXXX | 1362052 | Closed | 2026-01-12 04:20 | 2026-01-20 06:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. There was a tolerance cure given to the borrower, as disclosed on page X of our final CD for $XXX due to the increase in the Appraisal fee from $XXX LE disclosure to $XXX final amount. Please see the attached screen shot of page X of our final CD - Seller-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for Increase in Lender credits from LE $X to Final CD $XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. There was a tolerance cure given to the borrower, as disclosed on page X of our final CD for $XXX due to the increase in the Appraisal fee from $XXX LE disclosure to $XXX final amount. Please see the attached screen shot of page X of our final CD - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX XXXX XXX $XXX XXXXXXXXX XXXXX XX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 7031623 | N/A | N/A | ||||
| XXXX | 1362052 | Closed | 2026-01-12 13:24 | 2026-01-14 13:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX Open-For the prior primary residence it is showing intended use is as primary. Need updated XXXX showing updated status if investment will need the lease and or rent loss for the investment property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 7049117 | N/A | N/A | ||||
| XXXX | 1362052 | Closed | 2026-01-12 03:10 | 2026-01-14 13:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per kind lending guidelines dated XX/XX/XXXX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 7030752 | N/A | N/A | ||||
| XXXX | 1560448 | Closed | 2026-01-25 22:53 | 2026-01-29 14:12 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(A)) This is NQM loan and loan reviewed as per NQM Requirements. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(A)) This is NQM loan and loan reviewed as per NQM Requirements. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7288797 | N/A | N/A | ||||||
| XXXX | 1560448 | Closed | 2026-01-25 21:10 | 2026-01-28 22:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final XXXX with Demographic Information of Borrower checkmarks provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Open-Provide updated final XXXX as the provided one on page XXX,XXX demographic information is not checked. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX |
Resolved-Requested updated final XXXX with Demographic Information of Borrower checkmarks provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7287968 | N/A | N/A | ||||
| XXXX | 1560448 | Closed | 2026-01-25 22:53 | 2026-01-30 07:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7288795 | N/A | N/A | ||||||
| XXXX | 1560448 | Closed | 2026-01-25 22:53 | 2026-01-30 07:34 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7288796 | N/A | N/A | ||||||
| XXXX | 1758844 | Closed | 2026-02-04 23:49 | 2026-02-09 02:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7454514 | N/A | N/A | ||||
| XXXX | 1758844 | Closed | 2026-02-05 04:06 | 2026-02-06 07:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Entered PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Provide the final closing disclosure with borrower signature - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX |
Resolved-Entered PCCD. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7456019 | N/A | N/A | ||||
| XXXX | 1758844 | Closed | 2026-02-06 07:08 | 2026-02-06 07:10 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 7487075 | N/A | N/A | ||||||
| XXXX | 1957240 | Closed | 2026-03-01 22:20 | 2026-03-11 02:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than Loan amount, provided updated title report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide supplemental title report policy amount is less than loan amount Policy in file is for XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Title Coverage is less than Loan amount, provided updated title report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7865010 | N/A | N/A | ||||
| XXXX | 1957240 | Closed | 2026-03-01 23:20 | 2026-03-03 13:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-received fraud report no alerts updated fraud page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX _xXXXX_ Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-received fraud report no alerts updated fraud page. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7865227 | N/A | N/A | ||||
| XXXX | 2354032 | Closed | 2026-03-04 22:15 | 2026-03-06 12:07 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-XXXX gift removed - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Per attached Final SS the $Xk gift was not used at closing. Updated XXXX also attached - Seller-XX/XX/XXXX _xXXXX_ Open-Provide wired proof or statement for the gift of $X,XXX as per Gift letter page XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per attached Final SS the $Xk gift was not used at closing. Updated XXXX also attached - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-XXXX gift removed - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXX XX.XXX_XXXXX_ XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 7935265 | N/A | N/A | ||||
| XXXX | 2354032 | Closed | 2026-03-04 22:49 | 2026-03-09 14:38 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX | Primary Residence | Purchase | NA | 7935469 | N/A | N/A | |||||
| XXXX | 2552428 | Closed | 2026-03-10 08:52 | 2026-03-12 15:10 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Rescinded-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX | Primary Residence | Purchase | NA | 8020599 | N/A | N/A | |||||
| XXXX | 2552428 | Closed | 2026-03-10 08:52 | 2026-03-11 14:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
_xXXXX_ |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX | Primary Residence | Purchase | NA | 8020595 | N/A | N/A | |||||
| XXXX | 2949220 | Closed | 2026-03-11 09:37 | 2026-03-19 00:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Xrd Party VOE Prior to Close Missing Per GL XX.XX.XXXX page #XX, a verbal VOE dated no more than XX calendar days prior to Note date. hence provide VOE for BX for XXXX XXXXX XXXXXXX as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8049125 | N/A | N/A | ||||
| XXXX | 2949220 | Closed | 2026-03-11 09:37 | 2026-03-19 00:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-XX Months Bank Statements in file and Income worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Personal Bank Statements Missing There are only X months bank statements from XX XXXXX XXXX. provide complete XX months bank statements for BX income calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-XX Months Bank Statements in file and Income worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8049124 | N/A | N/A | ||||
| XXXX | 2949220 | Closed | 2026-03-11 09:37 | 2026-03-19 00:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Lender Worksheet - Seller-XX/XX/XXXX _xXXXX_ Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX, BX monthly income is $XX,XXX.XX. Provide lender income calculation worksheet validating this amount as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lender Worksheet - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXX XXXXXXXXXXX XXXXXXXXX #X.XXX | XXXX | Primary Residence | Purchase | NA | 8049126 | N/A | N/A | ||||
| XXXX | 2949220 | Closed | 2026-03-11 09:50 | 2026-03-13 04:46 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX _xXXXX_ Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX XXXX/XXX report with a score less than X.X, or an appraisal desk review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Secondary Valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXX_XXXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 8049374 | N/A | N/A | ||||
| XXXX | 2949220 | Closed | 2026-03-11 11:21 | 2026-03-12 07:46 | Resolved | 1 - Information | A | A | Compliance | Mavent | Fees: Limited | Resolved-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Recording fee includes foreclosure prevention fee as listed on the settlement statement. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Recording fee includes foreclosure prevention fee as listed on the settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 8051208 | N/A | N/A | ||||||
| XXXX | 3346012 | Closed | 2026-03-13 07:25 | 2026-03-16 10:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX,XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX,XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 8093720 | N/A | N/A | ||||||
| XXXX | 3544408 | Closed | 2026-03-16 06:31 | 2026-03-18 02:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud report reflecting uncleared alerts, per kind lending guidelines dated XXXX/XXXX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8122867 | N/A | N/A | ||||
| XXXX | 3544408 | Closed | 2026-03-16 00:59 | 2026-03-17 03:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (Freddie SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - LCA score of X/X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary valuation document. Secondary valuation missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - LCA score of X/X - Seller-XX/XX/XXXX |
Resolved-LCA (Freddie SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 8119381 | N/A | N/A | ||||
| XXXX | 3742804 | Closed | 2026-03-16 02:26 | 2026-04-02 12:35 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-attached document clears the condition with the demand feature checked - resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-One in file Final CD page #X (on page XXX), demand feature is not check marked. Provide the updated final CD with demand feature checkmark. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-attached document clears the condition with the demand feature checked - resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX XX.XXX | XXXX | Primary Residence | Purchase | NA | 8119793 | N/A | N/A | ||||
| XXXX | 3742804 | Closed | 2026-03-15 23:37 | 2026-03-24 13:39 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Attached doc shows the coverage dates are now X/XX/XX-X/XX/XX- resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Insurance - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX HOI effective date is after note date of XX/XX/XXXX. Provide HOI with effective date on or before note date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated Insurance - Seller-XX/XX/XXXX |
Resolved-Attached doc shows the coverage dates are now X/XX/XX-X/XX/XX- resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8119062 | N/A | N/A | ||||
| XXXX | 3742804 | Closed | 2026-03-15 23:06 | 2026-03-19 01:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income worksheet is missing in file. Provide the Lender income worksheet. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8118871 | N/A | N/A | ||||
| XXXX | 3742804 | Closed | 2026-03-16 00:30 | 2026-03-17 13:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 8119247 | N/A | N/A | ||||||
| XXXX | 3941200 | Closed | 2026-03-18 01:44 | 2026-03-23 03:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing in file, provided UDM, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. UDM – GAP Credit - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide the GAP report, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. UDM – GAP Credit - Seller-XX/XX/XXXX |
Resolved-Gap Credit Report is missing in file, provided UDM, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8176482 | N/A | N/A | ||||
| XXXX | 3941200 | Closed | 2026-03-18 02:38 | 2026-03-23 10:55 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX-XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX-XX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 8176895 | N/A | N/A | ||||||
| XXXX | 4139596 | Closed | 2026-03-17 23:06 | 2026-03-26 04:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months sufficient housing history provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Unable to verify the XX months housing history for current address "XXX XXXXXXX XXXX". Provide VOR to verify the same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX |
Resolved-Requested XX Months sufficient housing history provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8174854 | N/A | N/A | ||||
| XXXX | 4139596 | Closed | 2026-03-18 01:20 | 2026-03-24 11:44 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC showing there was a valid COC for a lock extension impacting the discount points. - Seller-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Discount point fee increase from initial CD $XXXX.XX to final CD $XXXX.XX. Provide COC for the same. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC showing there was a valid COC for a lock extension impacting the discount points. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXX X-X-XX.XXX | XXXX | Primary Residence | Purchase | NA | 8176288 | N/A | N/A | ||||
| XXXX | 4139596 | Closed | 2026-03-18 01:20 | 2026-03-23 03:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% exceeds max GL DTI of $XX%, due to tradeline of XXXX payment of $XXX which is included in DTI calculation which varies DTI, provided bank statements stating tradeline of XXXX $XXX is paid by others and Excluded, DTI within GL's, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The XXXX payment XXX was excluded – paid by others, see attached bank statements - Seller-XX/XX/XXXX Open-Audited DTI Exceeds Guideline DTI AS per matrix & GL XX.XX.XXXX for A+ program for LTV>=XX% max DTI XX%, Audited DTI XX.XX% Lender DTI XX.XX% variance X.XX% this is due to that lender considered all other monthly payments as $XXXX, whereas as per our calculation it is $XXXX, - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The XXXX payment XXX was excluded – paid by others, see attached bank statements - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% exceeds max GL DTI of $XX%, due to tradeline of XXXX payment of $XXX which is included in DTI calculation which varies DTI, provided bank statements stating tradeline of XXXX $XXX is paid by others and Excluded, DTI within GL's, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXX XX - XXXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXXXXX XX - XXXXXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX X-XX XXX XXXX XX XXXXXXX.XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXX XX - XXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXX XX XXXXXXX XXX (X).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXX XX (XXXX) - XXXXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXXXXXXX XX - XXXXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXXXX XX - XXXXXXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXX XX XXXXXXX XXX.XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXX XX - XXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXX XX - XXXXX XX (XXXX).XXX_XXXXX_ XXXXXXXX, XXXXXXX - XXXX XXXXXXXXX XXXXX XX - XXXXX XX (XXXX).XXX |
XXXX | Primary Residence | Purchase | NA | 8176262 | N/A | N/A | ||||
| XXXX | 4139596 | Closed | 2026-03-18 01:20 | 2026-03-24 11:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX , XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX , XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 8176286 | N/A | N/A | ||||||
| XXXX | 4337992 | Closed | 2026-03-20 06:17 | 2026-04-06 11:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet Guideline Requirements Updated credit page with XX months for housing history - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XX/XX/XXXX on page#XX, the borrower is required to have a XX months housing history. Primary Mortgage or Rent Months updated as X due Borrower rents the primary residence for $X,XXX at " XXXX XXXXXXXXXX XX X, XXXX-X,XXXXXXXXX,XX,XXXXX, XX " but there is no XX months rent history and there is no VOR available in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX |
Resolved-Housing History Does Not Meet Guideline Requirements Updated credit page with XX months for housing history - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8233543 | N/A | N/A | ||||
| XXXX | 4337992 | Closed | 2026-03-23 06:19 | 2026-03-25 06:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Our CD does include the $XX WA foreclosure prevention fee in the total, and it is itemized on our Closing Instructions, as well as the Final Settlement statement - Seller-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Washington Foreclosure Prevention Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Our CD does include the $XX WA foreclosure prevention fee in the total, and it is itemized on our Closing Instructions, as well as the Final Settlement statement - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXXXXXX.XXX_XXXXX_ XXXXXX XXXXX XX.XXX_XXXXX_ XXXXXXX XX XXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 8261989 | N/A | N/A | ||||
| XXXX | 4337992 | Closed | 2026-03-20 04:46 | 2026-03-24 04:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested asset utilization income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Asset utilization income worksheet missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX |
Resolved-Requested asset utilization income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8231402 | N/A | N/A | ||||
| XXXX | 4337992 | Closed | 2026-03-19 12:31 | 2026-03-20 14:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 8219963 | N/A | N/A | ||||
| XXXX | 4536388 | Closed | 2026-03-20 05:54 | 2026-04-01 01:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Updated Note document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX Open-The Note is Incomplete Provide the note document with correct maturity date - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Note - Seller-XX/XX/XXXX |
Resolved-Updated Note document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX.XXX | XXXX | Second Home | Purchase | NA | 8233238 | N/A | N/A | ||||
| XXXX | 4536388 | Closed | 2026-03-20 01:50 | 2026-03-24 08:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Date is date of disbursement, ok to resolve - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property Insurance - Insurance Effective Date is the same as the disbursement date - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Property Insurance - Insurance Effective Date is the same as the disbursement date - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Date is date of disbursement, ok to resolve - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXX.XXX | XXXX | Second Home | Purchase | NA | 8229739 | N/A | N/A | ||||
| XXXX | 4734784 | Closed | 2026-03-19 02:07 | 2026-03-24 11:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Exception approved for 'Audited LTV of XX% Exceeds XXXXXXXXX LTV XX%' with valid Compensating factors recommends waiving. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXD_ Open-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Property located in rural area per matrix MAX LTV is XX% but file has XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX_xXXXD_ |
_xXXXD_ |
XXXXXXXXX XXXXXXXX.XXX | X. XXX XXX. XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. X. XXXX XXXXXX XXXXX. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX |
XXXX | Primary Residence | Purchase | NA | 8204321 | Originator Post-Close | Yes |