|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Overall Initial Loan Grade
|
Overall Final Loan Grade
|
Credit Initial Loan Grade
|
Credit Current/Final Loan Grade
|
Compliance Initial Loan Grade
|
Compliance Current/Final Loan Grade
|
Property Initial Loan Grade
|
Property Current/Final Loan Grade
|
Queue
|
Finding Code
|
Date Created
|
Date Modified
|
Finding Status
|
Event Level
|
Initial Finding Grade
|
Current/Final Finding Grade
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Finding Comments
|
Seller Comments
|
Resolution Comments
|
Reviewer Comp Factor
|
Originator Comp Factors
|
Finding Documents
|
Originator QM Status
|
Final Reviewed QM Status
|
Loan Amount
|
Property State
|
Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Acknowledged / WaivedBy
|
Waiver in File?
|
Unique Finding ID
|
|
455024
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
455032
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCOM1978
|
2024-12-03 09:38
|
2024-12-12 07:29
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Missing Intent to Proceed
|
Resolved-Upon further review no additional documentation is needed or required. - Due Diligence Vendor-12/12/2024
Ready for Review-Rebuttal/Comment: Please be advised that if the file is HELOC, there is no ITP. - Seller-12/10/2024
Open------Missing Intent to Proceed. - Due Diligence Vendor-12/03/2024
|
Ready for Review-Rebuttal/Comment: Please be advised that if the file is HELOC, there is no ITP. - Seller-12/10/2024
|
Resolved-Upon further review no additional documentation is needed or required. - Due Diligence Vendor-12/12/2024
|
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 802 is higher than the required 680
Qualifying DTI below maximum allowed - DTI 32.60% is lower than allowable 49%
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
2917468
|
||
|
497046
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Closed
|
FPRO0012
|
2025-01-15 09:10
|
2025-12-11 10:20
|
Waived
|
2 - Non-Material
|
B
|
B
|
Property
|
Property
|
FEMA disaster declared PUBLIC ONLY
|
Waived-XXXX Wildfires and Straight-line Winds (XXXX and continuing Public Assistance XXXX) - Due Diligence Vendor-01/15/2025
|
Waived-XXXX Wildfires and Straight-line Winds (XXXX and continuing Public Assistance XXXX) - Due Diligence Vendor-01/15/2025
|
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 740 is higher than the required 700
Qualifying DTI below maximum allowed - DTI 40.95% is lower than allowable 49%
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
3209038
|
|||
|
497046
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Closed
|
FPRO0011
|
2025-01-15 09:10
|
2025-01-29 14:52
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Property
|
FEMA disaster declared INDIVIDUAL
|
Resolved-Received PDI, no damage - Please note the disaster is ongoing. - Due Diligence Vendor-01/29/2025
Ready for Review-Document Uploaded. - Seller-01/28/2025
Open-XXXX Wildfires and Straight-line Winds (XXXX and continuing Individual Assistance XXXX) - Due Diligence Vendor-01/15/2025
|
Ready for Review-Document Uploaded. - Seller-01/28/2025
|
Resolved-Received PDI, no damage - Please note the disaster is ongoing. - Due Diligence Vendor-01/29/2025
|
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 740 is higher than the required 700
Qualifying DTI below maximum allowed - DTI 40.95% is lower than allowable 49%
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
3209037
|
|
|
720749
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1197
|
2025-08-19 09:53
|
2025-08-27 14:17
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited FICO is less than Guideline FICO
|
Waived-Originator provided a waiver for LTV/DTI, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025
Ready for Review-Document Uploaded. Please note that we have a management exception:
Exception provided exceeding guideline requirement of 65%.
1. Great Tradeline with no late payment. - Seller-08/26/2025
Counter-Received guidelines confirming 700 minimum FICO required. Borrower FICO is 688. - Due Diligence Vendor-08/21/2025
Ready for Review-Document Uploaded. XXXX: This is within guidelines, please see screen shot. - Seller-08/19/2025
Open-Audited FICO of 688 is less than Guideline FICO of 700 for CLTV XX.XX% - Due Diligence Vendor-08/19/2025
|
Ready for Review-Document Uploaded. Please note that we have a management exception:
Exception provided exceeding guideline requirement of 65%.
1. Great Tradeline with no late payment. - Seller-08/26/2025
Ready for Review-Document Uploaded. XXXX: This is within guidelines, please see screen shot. - Seller-08/19/2025
|
Waived-Originator provided a waiver for LTV/DTI, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025
|
On time mortgage history exceeds guideline requirement - 0x30x52 On time mortgage history exceeds guideline requirement 0x30x12
Qualifying DTI below maximum allowed - 9.69% Qualifying DTI below 49% maximum allowed
|
Great Tradeline with no late payment.
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
5226420
|
|
733551
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
865310
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
865325
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
882685
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM1227
|
2025-12-10 17:20
|
2026-03-20 11:26
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
PUD Rider is Missing
|
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-03/20/2026
Ready for Review-Document Uploaded. Apologies for the delay. Please see uploaded re recorded DOT. - Seller-03/18/2026
Open-PUD Rider is Missing - Due Diligence Vendor-12/10/2025
|
Ready for Review-Document Uploaded. Apologies for the delay. Please see uploaded re recorded DOT. - Seller-03/18/2026
|
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-03/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6575572
|
|
|
882685
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1326
|
2025-12-09 10:30
|
2025-12-22 10:07
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 YTD Profit & Loss Missing
|
Resolved-After further review, a year-to-date profit and loss statement is not required for most businesses, but if the borrower’s loan
application is dated more than 120 days after the end of the business’s tax year, the lender may choose to require this document if it believes that it is needed to support its determination of the stability or continuance of the borrower’s
income. - Due Diligence Vendor-12/22/2025
Ready for Review-Please note that due to program and since the borrower is self employed as long as we have 2 years tax return which
included on loan package as per guideline, we are good. - Seller-12/11/2025
Open-Borrower 1 YTD Profit & Loss Missing Missing YTD P&L for XXXX. - Due Diligence Vendor-12/09/2025
|
Ready for Review-Please note that due to program and since the borrower is self employed as long as we have 2 years tax return which
included on loan package as per guideline, we are good. - Seller-12/11/2025
|
Resolved-After further review, a year-to-date profit and loss statement is not required for most businesses, but if the borrower’s loan
application is dated more than 120 days after the end of the business’s tax year, the lender may choose to require this document if it believes that it is needed to support its determination of the stability or continuance of the borrower’s
income. - Due Diligence Vendor-12/22/2025
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6547031
|
||
|
882685
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2025-12-09 12:40
|
2025-12-15 13:30
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received LOE - Due Diligence Vendor-12/15/2025
Ready for Review-Please note that : Since the 1st lien escrow amount is higher than the actual taxes and insurance calculation, we need
to add the surplus as other expense, since the borrower is already paying that amount.
1st lien escrow $877.21
Actual taxes and insurance $787.41 ($280.33+507.08)
= $89.80
Mortgage statement (XXXX)
- Seller-12/11/2025
Open-Missing an explanation/documentation for the source of the $89.80 included in total PITIA as other on the 1003/1008 - Due Diligence
Vendor-12/10/2025
|
Ready for Review-Please note that : Since the 1st lien escrow amount is higher than the actual taxes and insurance calculation, we need
to add the surplus as other expense, since the borrower is already paying that amount.
1st lien escrow $877.21
Actual taxes and insurance $787.41 ($280.33+507.08)
= $89.80
Mortgage statement (XXXX)
- Seller-12/11/2025
|
Resolved-Received LOE - Due Diligence Vendor-12/15/2025
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6551510
|
||
|
884757
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
898366
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Closed
|
FCOM1353
|
2025-12-17 09:16
|
2026-06-04 12:15
|
Resolved
|
1 - Information
|
B
|
A
|
Compliance
|
Disclosure
|
Incorrect ROR Form Type selected
|
Resolved-Subject is not a Lender to Lender refi - Due Diligence Vendor-06/04/2026
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form
Model is 'G5 (Open End - New Credit)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-12/17/2025
|
Resolved-Subject is not a Lender to Lender refi - Due Diligence Vendor-06/04/2026
Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form
Model is 'G5 (Open End - New Credit)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-12/17/2025
|
CLTV is less than guidelines maximum - Required is 80 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6660030
|
|||
|
898366
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Closed
|
FCRE4963
|
2025-12-22 07:06
|
2025-12-29 11:57
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
No evidence of required debt payoff
|
Resolved-Received final CD on 1st lien reflecting debts paid in full. - Due Diligence Vendor-12/29/2025
Ready for Review-Document Uploaded. - Seller-12/23/2025
Ready for Review-Please note that this us being paid on the first lien. - Seller-12/23/2025
Ready for Review-Please note that these accts was omitted and no need to be paid off for liability. - Seller-12/23/2025
Open-Provide evidence that XXXX and XXXX were paid in full. Balance of XXXX on credit report is $1359, amount paid on Final CD from
first lien is $12.61, Balance of XXXX on credit report is $3,522 amount amount paid Final CD from first lien is $2,953.37. Additional finding may apply. - Due Diligence Vendor-12/22/2025
|
Ready for Review-Document Uploaded. - Seller-12/23/2025
Ready for Review-Please note that this us being paid on the first lien. - Seller-12/23/2025
Ready for Review-Please note that these accts was omitted and no need to be paid off for liability. - Seller-12/23/2025
|
Resolved-Received final CD on 1st lien reflecting debts paid in full. - Due Diligence Vendor-12/29/2025
|
CLTV is less than guidelines maximum - Required is 80 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6730329
|
|
|
916371
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1437
|
2026-01-03 08:09
|
2026-01-27 15:25
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Income/Employment
|
Income and Employment Do Not Meet Guidelines
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception provided waiving business license - Due Diligence
Vendor-01/27/2026
Ready for Review-Document Uploaded. Please see uploaded Exceptions and Final 1003 updated - Seller-01/23/2026
Counter-Received the 1003, online listing for the business and screen shot of guidelines. The PTIN letter states the borrower is 95%
owner of XXXX and the business does not require a business license. The XXXX Secretary of State document does not reflect the borrower as a registered agent or officer of the business. Per the guidelines dated XXXX, PTIN is allowed for
licensed businesses only. Due to the business not being licensed a PTIN letter is not allowed per the guidelines. Also, the 1003 received still reflects the borrowers position as XXXX and has not bee corrected. - Due Diligence
Vendor-01/16/2026
Counter-The 1003 reflects the borrower's position as XXXX, the tax preparer states that a business license is not required; however,
XXXX is a corporation, which would require licenses. Additionally, the credit report does not have the business being associated; it only reflects XXXX care. Additionally, the phone number on the XXXX search does not match the number on the
final 1003. - Due Diligence Vendor-01/14/2026
Ready for Review-Document Uploaded. Please see uploaded Final 1003 & Business Listing.
According to the Tax Preparer Letter, BWR owns 95% of the business and the Tax Preparer has confirmed the co-owner's percentage of
ownership (5%).
It appears that BWR has another business related to XXXX services; however, BWR is qualifying based on their XXXX business.
Accordingly, the business phone number and BWR’s position have been adjusted.
- Seller-01/12/2026
Counter-Received Screenshot. The loan file contains a XX Business Search which does not list the borrowers name. Additionally, the
borrowers position listed on the 1003 is "XXXX/ XXXX Business". The XXXX does not show the borrower associated to the business listed on the loan application. - Due Diligence Vendor-01/08/2026
Ready for Review-Document Uploaded. The PTIN letter was provided along the P&L and met the guidelines. It has been stated the
percentage of the ownership regardless if it is not 100%. The data verify provided matches with the SSN, means It is associated with the borrower, and the title position shown is XXXX business.
- Seller-01/06/2026
Open-Income and Employment Do Not Meet Guidelines The PTIN letter indicates the borrower is 95% owner of XXXX. The loan file contains a
XX Business Search which does not list the borrowers name. Additionally, the borrowers position listed on the 1003 is "XXXX/ XXXX Business". The Data Verify does not show the borrower associated to the business listed on the loan
application. - Due Diligence Vendor-01/03/2026
|
Ready for Review-Document Uploaded. Please see uploaded Exceptions and Final 1003 updated - Seller-01/23/2026
Ready for Review-Document Uploaded. Please see uploaded Final 1003 & Business Listing.
According to the Tax Preparer Letter, BWR owns 95% of the business and the Tax Preparer has confirmed the co-owner's percentage of
ownership (5%).
It appears that BWR has another business related to XXXX services; however, BWR is qualifying based on their XXXX business.
Accordingly, the business phone number and BWR’s position have been adjusted.
- Seller-01/12/2026
Ready for Review-Document Uploaded. The PTIN letter was provided along the P&L and met the guidelines. It has been stated the
percentage of the ownership regardless if it is not 100%. The data verify provided matches with the SSN, means It is associated with the borrower, and the title position shown is XXXX business.
- Seller-01/06/2026
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception provided waiving business license - Due Diligence
Vendor-01/27/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
- QA Verification
- Good Credit Score
- No late payment history from 1st mtg
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
6905617
|
|
919048
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-01-04 08:40
|
2026-01-27 15:19
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Non-Lien Affidavit received to satisfy #8 - Due Diligence Vendor-01/27/2026
Ready for Review-The Final policy has been provided. Please see page 16 on the Final Policy. Affidavit and endt #7 has been provided as
well. - Seller-01/23/2026
Counter-Received amendment for #7. Missing documentation #8 on schedule B part 1 on the title commitment have been satisfied. - Due
Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. Please see uploaded endorsement. - Seller-01/22/2026
Counter- Received title. Page 17 confirmed the deletion of 1,2,5,&6. Missing documentation item #7 and #8 on schedule B part 1 on
the title commitment have been satisfied. - Due Diligence Vendor-01/15/2026
Ready for Review-Document Uploaded. Please see uploaded Final Title Policy, Endorsement & Affidavit. - Seller-01/14/2026
Open-Property Title Issue Missing documentation item #7 and #8 on schedule B part 1 on the title commitment have been satisfied. - Due
Diligence Vendor-01/04/2026
|
Ready for Review-The Final policy has been provided. Please see page 16 on the Final Policy. Affidavit and endt #7 has been provided as
well. - Seller-01/23/2026
Ready for Review-Document Uploaded. Please see uploaded endorsement. - Seller-01/22/2026
Ready for Review-Document Uploaded. Please see uploaded Final Title Policy, Endorsement & Affidavit. - Seller-01/14/2026
|
Resolved-Non-Lien Affidavit received to satisfy #8 - Due Diligence Vendor-01/27/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6907113
|
|
|
920990
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
920991
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-01-05 12:24
|
2026-01-07 15:13
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Cert. - Due Diligence Vendor-01/07/2026
Ready for Review-Document Uploaded. - Seller-01/05/2026
Open-Missing Trust Agreement- additional findings may apply. - Due Diligence Vendor-01/05/2026
|
Ready for Review-Document Uploaded. - Seller-01/05/2026
|
Resolved-Received Trust Cert. - Due Diligence Vendor-01/07/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6917331
|
|
|
920992
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
920993
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
920994
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
924268
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
924269
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
finding-948
|
2026-01-08 14:14
|
2026-02-12 12:38
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Points & Fees
|
SC HCCHLA Prepayment Term Test
|
Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-02/12/2026
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Per submitted Note, It appears below there is no prepayment penalty (Early
Termination Fee). - Seller-02/12/2026
Counter-The borrower can prepay a loan without penalty in XX if the loan amount is over $765,000 however, this loan amount is XXXX and
the termination fee on the HELOC is considered a prepayment penalty. The XX High Cost also failed on the compliance report you provided. - Due Diligence Vendor-02/11/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026
Counter------The borrower can prepay a loan without penalty in XX if the loan amount is over $765,000 however, this loan amount is XXXX
and the termination fee on the HELOC is considered a prepayment penalty. The XX High Cost also failed on the compliance report you provided. - Due Diligence Vendor-01/21/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
Open-This loan failed the prepayment term test.
(XXXX)The loan contains a prepayment term. A debtor may prepay the loan at any time, without penalty because the loan is for personal,
family, or household purposes with a note amount that does not exceed $765,000.00. - Due Diligence Vendor-01/08/2026
|
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Per submitted Note, It appears below there is no prepayment penalty (Early
Termination Fee). - Seller-02/12/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
|
Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-02/12/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6991115
|
|
|
924269
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
finding-2881
|
2026-01-08 14:14
|
2026-02-11 14:35
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Points & Fees
|
SC HCCHLA High Cost Home ARM Loan Points and Fees Threshold Test
|
Resolved-Received PCCD. Finding Resolved. - Due Diligence Vendor-02/11/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026
Counter------The borrower can prepay a loan without penalty in XX if the loan amount is over $765,000 however, this loan amount is XXXX
and the termination fee on the HELOC is considered a prepayment penalty. The XX High Cost also failed on the compliance report you provided. - Due Diligence Vendor-01/21/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
Open-This loan failed the high-cost home loan ARM points and fees threshold test due to one or more of the following findings: (XXXX)
)This loan is an adjustable rate mortgage and the total points and fees of this loan, which are $5,974.00, exceed one of the following thresholds based on the total loan amount, which is XXXX:The loan is secured by real property and the total
points and fees exceeds 5% of the total loan amount if the total loan amount is $20,000 or more; orThe loan is a nonreal estate loan secured manufactured housing and the total points and fees exceeds 3% of the total loan amount if the total
loan amount is $20,000 or more; orThe total points and fees exceed the lesser of 8% of the total loan amount or $1000 if the total loan amount is less than $20,000. -----XX HCCHLA High Cost Home ARM Loan Points and Fees Threshold Test: Loan
Data: $5,974.00, Comparison Data: $5,302.79 = Variance/Tolerance Violation $671.21 - Due Diligence Vendor-01/08/2026
|
Ready for Review-Document Uploaded. - Seller-02/10/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
|
Resolved-Received PCCD. Finding Resolved. - Due Diligence Vendor-02/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6991116
|
|
|
924269
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
finding-955
|
2026-01-08 14:14
|
2026-02-11 14:34
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Points & Fees
|
SC HCCHLA High Cost Home Loan Potential Negative Amortization Test
|
Resolved-Received PCCD. Finding Resolved. - Due Diligence Vendor-02/11/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026
Counter------The borrower can prepay a loan without penalty in XX if the loan amount is over $765,000 however, this loan amount is XXXX
and the termination fee on the HELOC is considered a prepayment penalty. The XX High Cost also failed on the compliance report you provided. - Due Diligence Vendor-01/21/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
Open-This loan failed the high-cost home loan potential negative amortization test. (SC SB 438, §37-23-30(3))The loan is a high-cost
home loan that contains a negative amortization provision with a periodic payment schedule that may cause the principal balance to increase. This can be caused by either a graduated payment mortgage or a potential negative amortization program.
-----XX HCCHLA High Cost Home Loan Potential Negative Amortization Test: Loan Data: $5,974.00, Comparison Data: $5,302.79 = Variance/Tolerance Violation $671.21 - Due Diligence Vendor-01/08/2026
|
Ready for Review-Document Uploaded. - Seller-02/10/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
|
Resolved-Received PCCD. Finding Resolved. - Due Diligence Vendor-02/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6991118
|
|
|
924269
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1193
|
2026-01-15 09:02
|
2026-01-26 15:13
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – DTI – Audited DTI of 49.45%
exceeds Guideline DTI of 49%
- Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. - Seller-01/22/2026
Counter-1008 and 1003 provided; however, Audit calculated lower incomes. B1 Lender included a $3,500 reimbursement and a $1,500
transfer. Audit Income $12,200.11 / Lender Income $12,287.61; B2 Lender included a transfer in the amount of $1,940; Audit did not include. Audit income $4,940.13 / Lender income $5,050.98. DTI finding remains. - Due Diligence
Vendor-01/21/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
Open-Audited DTI of 49.45% exceeds Guideline DTI of 49% Audited DTI of 49.2% exceeds Guideline DTI of 49%.. Additional findings may
apply. - Due Diligence Vendor-01/15/2026
|
Ready for Review-Document Uploaded. - Seller-01/22/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – DTI – Audited DTI of 49.45%
exceeds Guideline DTI of 49%
- Due Diligence Vendor-01/26/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
1. Good Credit Score
2. Good Business History
3. No Late History
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7107861
|
|
924269
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
finding-956
|
2026-01-08 14:14
|
2026-01-23 14:38
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Points & Fees
|
SC HCCHLA High Cost Home Loan DTI Presumption Test
|
Resolved-Upon further review, no further documentation is needed or required. Finding is not valid. - Due Diligence Vendor-01/23/2026
Counter------The borrower can prepay a loan without penalty in XX if the loan amount is over $765,000 however, this loan amount is XXXX
and the termination fee on the HELOC is considered a prepayment penalty. The XX High Cost also failed on the compliance report you provided. - Due Diligence Vendor-01/21/2026
Ready for Review-Document Uploaded. - Seller-01/17/2026
Open-This loan failed the high-cost home loan DTI presumption test due to one of the following findings:
(XXXX)The debt-to-income (DTI) ratio of the borrower exceeds 50%; orThe DTI ratio of the borrower was not provided.The DTI ratio is one
of several factors that should be considered when making any high cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the
scheduled payments associated with the high cost home loan.The lender of a high-cost home loan may not make a high-cost home loan unless the lender reasonably believes at the time the loan is consummated that one or more of the obligors is able
to make the scheduled payments to repay the obligation. An obligor is presumed to be able to make the scheduled payments to repay the obligation if, at the time the loan is consummated, the obligor's total monthly debts, including amounts owed
pursuant to the loan, do not exceed 50% of the obligor's monthly gross income.See High Cost Home Loan Additional Documentation and Disclosure Requirements Legislative Summary Alert (below) for full repayment ability requirements. -----XX HCCHLA
High Cost Home Loan DTI Presumption Test: Loan Data: $5,974.00, Comparison Data: $5,302.79 = Variance/Tolerance Violation $671.21 - Due Diligence Vendor-01/08/2026
|
Ready for Review-Document Uploaded. - Seller-01/17/2026
|
Resolved-Upon further review, no further documentation is needed or required. Finding is not valid. - Due Diligence Vendor-01/23/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6991117
|
|
|
924271
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1193
|
2026-01-15 10:24
|
2026-01-20 14:30
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Resolved-Final cd and final settlement statement was provided with XXXX paid off (concurrent loan). - Due Diligence Vendor-01/20/2026
Ready for Review-Please note that per guidelines maximum DTI is 49%, and we have 48.96%. - Seller-01/16/2026
Open-Audited DTI of 49.09% exceeds Guideline DTI of 49% Additional findings may apply. - Due Diligence Vendor-01/15/2026
|
Ready for Review-Please note that per guidelines maximum DTI is 49%, and we have 48.96%. - Seller-01/16/2026
|
Resolved-Final cd and final settlement statement was provided with XXXX paid off (concurrent loan). - Due Diligence Vendor-01/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807
On time mortgage history exceeds guideline requirement - 0x30 for 54 months
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7109799
|
||
|
924271
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1491
|
2026-01-15 09:54
|
2026-01-20 14:29
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset Qualification Does Not Meet Guideline Requirements
|
Resolved-Final cd and final settlement statement was provided. - Due Diligence Vendor-01/20/2026
Ready for Review-Document Uploaded. Uploaded final cd and final settlement statement - Seller-01/16/2026
Open-Asset Qualification Does Not Meet Guideline Requirements File contains an undated, estimated refinance statement for borrowers
investment property. Missing Final CD/Settlement Stmt from XXXX to confirm borrower received sufficient cash back to satisfy cash needed to close. Additional findings may apply. - Due Diligence Vendor-01/15/2026
|
Ready for Review-Document Uploaded. Uploaded final cd and final settlement statement - Seller-01/16/2026
|
Resolved-Final cd and final settlement statement was provided. - Due Diligence Vendor-01/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807
On time mortgage history exceeds guideline requirement - 0x30 for 54 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7108947
|
|
|
924271
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-01-15 10:40
|
2026-01-20 14:26
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-The note for this concurrent loan was provided. - Due Diligence Vendor-01/20/2026
Ready for Review-Document Uploaded. Uploaded note of concurrent loan ( XXXX ) - Seller-01/16/2026
Open-Please provide payment verification for second lien for property 3b listed on 1003. Additional findings may apply. - Due
Diligence Vendor-01/15/2026
|
Ready for Review-Document Uploaded. Uploaded note of concurrent loan ( XXXX ) - Seller-01/16/2026
|
Resolved-The note for this concurrent loan was provided. - Due Diligence Vendor-01/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807
On time mortgage history exceeds guideline requirement - 0x30 for 54 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7110545
|
|
|
924272
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
924273
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1232
|
2026-01-08 17:50
|
2026-01-16 07:59
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Calculated DSCR does not meet the Minimum DSCR allowed
|
Resolved-Qualifying rate for DSCR loan is the initial terms for HELOCs. DSCR is 1.043. - Due Diligence Vendor-01/16/2026
Counter-No document provided. The calculated DSCR is .829, guideline minimum is 1.0. Total PITI payment is $3,197.56 using the
qualifying payment per the note terms. Finding remains. - Due Diligence Vendor-01/13/2026
Ready for Review-Rebuttal/Comment: per first payment letter, P&I is 2161.46 + 151.75 (Insurance ) + 227.46 (Property Tax) =
2,540.67.
2,650 / 2,540.67 = 1.043 DSCR - Seller-01/10/2026
Open-The Calculated DSCR of '0.829' is less than the minimum DSCR per lender guidelines of '1'. The calculated DSCR is .829, guideline
minimum is 1.0. Total PITI payment is $3,197.56 using the qualifying payment per the note terms. - Due Diligence Vendor-01/08/2026
|
Ready for Review-Rebuttal/Comment: per first payment letter, P&I is 2161.46 + 151.75 (Insurance ) + 227.46 (Property Tax) =
2,540.67.
2,650 / 2,540.67 = 1.043 DSCR - Seller-01/10/2026
|
Resolved-Qualifying rate for DSCR loan is the initial terms for HELOCs. DSCR is 1.043. - Due Diligence Vendor-01/16/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 93.5 months
LTV is less than guideline maximum - Required is 60 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6994898
|
||
|
924273
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-01-08 15:01
|
2026-01-15 12:55
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026
Ready for Review-Document Uploaded. submitted legal description is the attached from DOT and not from the title report -
Seller-01/13/2026
Counter-Received Exhibit A. Please provide chain of documents to confirmed Exhibit A has been recorded with Deed of Trust. - Due
Diligence Vendor-01/13/2026
Ready for Review-Document Uploaded. - Seller-01/10/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. Additional
findings may apply. - Due Diligence Vendor-01/08/2026
|
Ready for Review-Document Uploaded. submitted legal description is the attached from DOT and not from the title report -
Seller-01/13/2026
Ready for Review-Document Uploaded. - Seller-01/10/2026
|
Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 93.5 months
LTV is less than guideline maximum - Required is 60 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
6992085
|
|
|
926406
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1364
|
2026-01-09 09:53
|
2026-01-16 13:49
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Executed 4506-T/4506-C is Missing
|
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-01/16/2026
Ready for Review-Document Uploaded. Uploaded 4506 C - Seller-01/14/2026
Open-Borrower 2 Executed 4506-T/4506-C is Missing. Additional findings may apply. - Due Diligence Vendor-01/09/2026
|
Ready for Review-Document Uploaded. Uploaded 4506 C - Seller-01/14/2026
|
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-01/16/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767
On time mortgage history exceeds guideline requirement - 0x30 for 76 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7004971
|
|
|
926408
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1158
|
2026-01-16 12:46
|
2026-01-26 15:09
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Hazard Insurance Policy is Partial
|
Resolved-Received Full Dec Page with Premium Amount - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. - Seller-01/22/2026
Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Please provide
verification on premium amount. The file contains an email stating policy is paid in full, but premium amount is not listed on policy and receipt not located in file. Additional findings may apply. - Due Diligence Vendor-01/16/2026
|
Ready for Review-Document Uploaded. - Seller-01/22/2026
|
Resolved-Received Full Dec Page with Premium Amount - Due Diligence Vendor-01/26/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7141478
|
|
|
926410
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
926412
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
927610
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-01-16 14:09
|
2026-01-27 15:05
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received correct Certification of Trust - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. - Seller-01/24/2026
Counter-Trust Cert provided, however it does not appear to be for the borrower. - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. - Seller-01/21/2026
Open-Please provide trust agreement or completed cert of trust by title agent. Additional findings may apply. - Due Diligence
Vendor-01/16/2026
|
Ready for Review-Document Uploaded. - Seller-01/24/2026
Ready for Review-Document Uploaded. - Seller-01/21/2026
|
Resolved-Received correct Certification of Trust - Due Diligence Vendor-01/27/2026
|
CLTV is less than guidelines maximum - Required is 80 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7143056
|
|
|
929010
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929011
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929012
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929013
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-01-20 11:20
|
2026-01-22 14:57
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Revocable Trust. - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. Uploaded trust agreement - Seller-01/21/2026
Open-Missing Trust Agreement. Additional findings may apply. - Due Diligence Vendor-01/20/2026
|
Ready for Review-Document Uploaded. Uploaded trust agreement - Seller-01/21/2026
|
Resolved-Received Revocable Trust. - Due Diligence Vendor-01/22/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7180843
|
|
|
929014
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-01-20 19:54
|
2026-01-26 15:04
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-Received Op Agreement - Borrowers are 50/50 XXXX - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. - Seller-01/22/2026
Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence
Vendor-01/21/2026
|
Ready for Review-Document Uploaded. - Seller-01/22/2026
|
Resolved-Received Op Agreement - Borrowers are 50/50 XXXX - Due Diligence Vendor-01/26/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 35 Months Required = 12 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7192304
|
|
|
929015
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO1257
|
2026-01-20 11:50
|
2026-01-27 15:08
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received Desk Review supporting appraised value - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. Uploaded CDA - Seller-01/23/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score and LCA score both exceed 2.5,
per the guidelines a CDA, 2nd full appraisal or Field review is required. - Due Diligence Vendor-01/20/2026
|
Ready for Review-Document Uploaded. Uploaded CDA - Seller-01/23/2026
|
Resolved-Received Desk Review supporting appraised value - Due Diligence Vendor-01/27/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7181855
|
|
|
929015
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FCOM1221
|
2026-01-13 15:30
|
2026-01-22 15:02
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
The Deed of Trust is Incomplete
|
Resolved-Received legible copy of the Mortgage. - Due Diligence Vendor-01/22/2026
Ready for Review-Document Uploaded. Uploaded complete deed of trust - Seller-01/21/2026
Open-The Deed of Trust is Incomplete Page 1 of the appraisal is illegible. - Due Diligence Vendor-01/13/2026
|
Ready for Review-Document Uploaded. Uploaded complete deed of trust - Seller-01/21/2026
|
Resolved-Received legible copy of the Mortgage. - Due Diligence Vendor-01/22/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7073366
|
|
|
929016
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4805
|
2026-01-20 16:44
|
2026-01-29 16:10
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Trust/POA Does Not Meet Guideline Requirements
|
Resolved-Lender provided Certification of Trust - Due Diligence Vendor-01/29/2026
Ready for Review-Document Uploaded. Uploaded executed trust cert - Seller-01/27/2026
Open-Trust/POA Does Not Meet Guideline Requirements Note and mortgage were signed on behalf of a trust, missing trust documents to
confirm trustees of the trust. - Due Diligence Vendor-01/20/2026
|
Ready for Review-Document Uploaded. Uploaded executed trust cert - Seller-01/27/2026
|
Resolved-Lender provided Certification of Trust - Due Diligence Vendor-01/29/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7188662
|
|
|
929017
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929019
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929020
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0044
|
2026-01-21 10:27
|
2026-01-23 14:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/23/2026
Ready for Review-Please note that XXXX inquiries are of borrower and advantage credit and best mortgage are passed the 90 days that are
required on guidelines, that’s why LOE was not required. - Seller-01/22/2026
Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/21/2026
|
Ready for Review-Please note that XXXX inquiries are of borrower and advantage credit and best mortgage are passed the 90 days that are
required on guidelines, that’s why LOE was not required. - Seller-01/22/2026
|
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/23/2026
|
Months Reserves exceed minimum required - 0 Reserves required/ Borrower reserves 37.05 months
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7204564
|
||
|
929020
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0137
|
2026-01-21 10:27
|
2026-01-23 14:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Subject property is listed for sale
|
Resolved-Received XXXX confirming last sale XXXX - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. Please note that last listed date reflecting on XXXX site, shows that property was sold on XXXX
matching with the date that we have on property profile. - Seller-01/22/2026
Open-UW to confirm there is no evidence the home is listed for sale. The appraisal indicates the subject property is or has been listed
for sale within the past 12 months. Guidelines state Properties listed for sale must be taken off the market at least one day prior to the loan application as evidenced by the listing cancellation. Please provide evidence the property was
taken off the market at least one day prior to the loan application dated XXXX. Additional finding may apply. - Due Diligence Vendor-01/21/2026
|
Ready for Review-Document Uploaded. Please note that last listed date reflecting on XXXX site, shows that property was sold on XXXX
matching with the date that we have on property profile. - Seller-01/22/2026
|
Resolved-Received XXXX confirming last sale XXXX - Due Diligence Vendor-01/23/2026
|
Months Reserves exceed minimum required - 0 Reserves required/ Borrower reserves 37.05 months
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7204566
|
|
|
929021
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929022
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929023
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929024
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929025
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
929027
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0044
|
2026-01-20 15:28
|
2026-01-22 14:59
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-01/22/2026
Ready for Review-Please note that for XXXX it was not requested due to the inquiry already reflected on the CR.
On Page 3 of the CR is shown a XXXX Card opened on XXXX, matching with the inquiry, showing $0 balance.
- Seller-01/21/2026
Ready for Review-Please note that for inquiry on XXXX it was not required since it passed the 90 days that guidelines required. I will
provide the LOE for account XXXX as soon as possible. - Seller-01/21/2026
Open-LOX for credit inquiries is missing. Missing the letter of explanation for the credit inquiries. - Due Diligence Vendor-01/20/2026
|
Ready for Review-Please note that for XXXX it was not requested due to the inquiry already reflected on the CR.
On Page 3 of the CR is shown a XXXX Card opened on XXXX, matching with the inquiry, showing $0 balance.
- Seller-01/21/2026
Ready for Review-Please note that for inquiry on XXXX it was not required since it passed the 90 days that guidelines required. I will
provide the LOE for account XXXX as soon as possible. - Seller-01/21/2026
|
Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-01/22/2026
|
Months Reserves exceed minimum required - Verified reserves equal 15.85 months, guidelines require 0 months.
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7187079
|
||
|
929028
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
931155
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1124
|
2026-01-14 21:42
|
2026-01-15 08:22
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 1 Final Signature Date is in the future
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.
- Due Diligence Vendor-01/15/2026
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.
- Due Diligence Vendor-01/15/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Investor Post-Close
|
No
|
7102620
|
|||
|
931156
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-01-21 12:18
|
2026-01-23 14:35
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Certification of Trust for XXXX. - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. Uploaded trust cert - Seller-01/22/2026
Open-Missing Trust Agreement or completed title trust certification. Additional findings may apply. - Due Diligence Vendor-01/21/2026
|
Ready for Review-Document Uploaded. Uploaded trust cert - Seller-01/22/2026
|
Resolved-Received Certification of Trust for XXXX. - Due Diligence Vendor-01/23/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7211759
|
|
|
931157
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
932567
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-01-22 05:30
|
2026-01-27 12:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-Received Articles of Organization. - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-01/23/2026
Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Additional findings
may apply. - Due Diligence Vendor-01/22/2026
|
Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-01/23/2026
|
Resolved-Received Articles of Organization. - Due Diligence Vendor-01/27/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7236955
|
|
|
932568
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
932569
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
934748
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1161
|
2026-01-22 08:08
|
2026-01-26 15:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Flood Certificate Missing
|
Resolved-Received Flood Certificate - Flood Zone XXXX - Due Diligence Vendor-01/26/2026
Ready for Review-Document Uploaded. Please see uploaded Flood Cert - Seller-01/23/2026
Open-Missing Flood Certificate. Additional findings may apply. - Due Diligence Vendor-01/22/2026
|
Ready for Review-Document Uploaded. Please see uploaded Flood Cert - Seller-01/23/2026
|
Resolved-Received Flood Certificate - Flood Zone X - Due Diligence Vendor-01/26/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7238728
|
|
|
934748
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1232
|
2026-01-22 09:14
|
2026-01-22 17:02
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Calculated DSCR does not meet the Minimum DSCR allowed
|
Waived-Originator waiver applied to non material finding with comp factors. Deemed non-material as .999 rounds to 1.00
- Due Diligence Vendor-01/22/2026
Open-The Calculated DSCR of '0.999' is less than the minimum DSCR per lender guidelines of '1'. Additional findings may apply. - Due
Diligence Vendor-01/22/2026
|
Waived-Originator waiver applied to non material finding with comp factors. Deemed non-material as .999 rounds to 1.00
- Due Diligence Vendor-01/22/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7239781
|
|||
|
934749
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
934750
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
936644
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-47
|
2026-01-15 12:13
|
2026-01-27 07:48
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Right to Rescind
|
TILA Right of Rescission Test
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence
Vendor-01/27/2026
Ready for Review-Rebuttal/Comment: Transaction date is XXXX and 3 days was already given for XXXX. Counting starts at the transaction
day XXXX including the saturdays. Therefore funding date of XXXX is in compliance - Seller-01/24/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ),
Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day
following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -------The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days
from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-01/15/2026
|
Ready for Review-Rebuttal/Comment: Transaction date is XXXX and 3 days was already given for XXXX. Counting starts at the transaction
day XXXX including the XXXX. Therefore funding date of XXXX is in compliance - Seller-01/24/2026
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence
Vendor-01/27/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7114753
|
||
|
936647
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
940469
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
940470
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
940471
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-01-26 07:17
|
2026-01-27 15:03
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received property report. There was a mortgage on property - shows on credit report as Paid/Closed XXXX. Property free &
clear. - Due Diligence Vendor-01/27/2026
Ready for Review-Document Uploaded. Please note that REO is free and clear that’s why hazard amount was not added and we provided
revised documents reflecting updating information and DTI not being affected. - Seller-01/26/2026
Open-Provide verification of taxes for property 3j listed on the loan application. Additional findings may apply. - Due Diligence
Vendor-01/26/2026
|
Ready for Review-Document Uploaded. Please note that REO is free and clear that’s why hazard amount was not added and we provided
revised documents reflecting updating information and DTI not being affected. - Seller-01/26/2026
|
Resolved-Received property report. There was a mortgage on property - shows on credit report as Paid/Closed XXXX. Property free &
clear. - Due Diligence Vendor-01/27/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7291353
|
|
|
940472
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-01-26 09:09
|
2026-02-04 17:55
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Property history report confirms the borrower is not on the primary home lien. The lien is only in the wife's name, - Due
Diligence Vendor-02/04/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Counter-Documentation was not attached. - Due Diligence Vendor-01/30/2026
Ready for Review-XXXX - uploaded property profile, reflects borrower is in title only with no mortgage responsibility. VOM is not
required. - Seller-01/29/2026
Open-Housing History Does Not Meet Guideline Requirements Please provide mortgage history for primary residence. Property Detail report
for primary reflects a loan amount of XXXX. Additional findings may apply. - Due Diligence Vendor-01/26/2026
|
Ready for Review-Document Uploaded. - Seller-01/30/2026
Ready for Review-XXXX - uploaded property profile, reflects borrower is in title only with no mortgage responsibility. VOM is not
required. - Seller-01/29/2026
|
Resolved-Property history report confirms the borrower is not on the primary home lien. The lien is only in the wife's name, - Due
Diligence Vendor-02/04/2026
|
Months Reserves exceed minimum required - Reserves not required /Borrower reserves 29.02 months
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7292761
|
|
|
943948
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
943949
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0157
|
2026-01-26 12:55
|
2026-01-27 14:52
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Loan does not meet guideline requirements for loans listed for sale
|
Resolved-XXXX confirms NO Listing since Subject acquired in XXXX. Stip clearer also confirmed information on XXXX - Due Diligence
Vendor-01/27/2026
Ready for Review-Document Uploaded. Please note that last listed date reflecting on XXXX site, shows that property was sold on XXXX
matching with the date that we have on property profile. - Seller-01/26/2026
Open-Loan does not meet guideline requirements for loans listed for sale. Please provide evidence the property was taken off the market
at least one day prior to the loan application. Additional findings may apply. - Due Diligence Vendor-01/26/2026
|
Ready for Review-Document Uploaded. Please note that last listed date reflecting on XXXX site, shows that property was sold on XXXX
matching with the date that we have on property profile. - Seller-01/26/2026
|
Resolved-XXXX confirms NO Listing since Subject acquired in XXXX. Stip clearer also confirmed information on XXXX - Due Diligence
Vendor-01/27/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7299645
|
|
|
943950
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-01-26 13:26
|
2026-01-30 14:17
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust. - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. - Seller-01/27/2026
Open-Missing Trust Agreement -Additional findings may apply - Due Diligence Vendor-01/26/2026
|
Ready for Review-Document Uploaded. - Seller-01/27/2026
|
Resolved-Received Trust. - Due Diligence Vendor-01/30/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 20.56 months
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 726
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7300290
|
|
|
945531
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
945532
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
948278
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
950233
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
950234
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1157
|
2026-01-27 11:06
|
2026-01-30 14:19
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Hazard Insurance Policy is Missing
|
Resolved-Received HOI policy - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-01/28/2026
Open-Missing Hazard Insurance Policy. Additional finding may apply. - Due Diligence Vendor-01/27/2026
|
Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-01/28/2026
|
Resolved-Received HOI policy - Due Diligence Vendor-01/30/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7312857
|
|
|
950235
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE2244
|
2026-01-27 13:47
|
2026-01-29 16:28
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Property Does Not Meet Guidelines (credit)
|
Resolved-After 2nd review of the Appraisal, there are no issues with the Appraisal/Property - Due Diligence Vendor-01/29/2026
Ready for Review-Could you please provide us additional details regarding the property issue you identified? Thank you. -
Seller-01/27/2026
Open-Property Issues are identified for the property - Due Diligence Vendor-01/27/2026
|
Ready for Review-Could you please provide us additional details regarding the property issue you identified? Thank you. -
Seller-01/27/2026
|
Resolved-After 2nd review of the Appraisal, there are no issues with the Appraisal/Property - Due Diligence Vendor-01/29/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7316762
|
||
|
950236
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
950237
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
956725
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
956726
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
956727
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-01-21 10:19
|
2026-01-30 14:21
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received Legal. - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. - Seller-01/29/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence
Vendor-01/21/2026
|
Ready for Review-Document Uploaded. - Seller-01/29/2026
|
Resolved-Received Legal. - Due Diligence Vendor-01/30/2026
|
Long term residence - Long Term Residence = 26+ years
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7204382
|
|
|
956728
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-01-28 14:47
|
2026-02-03 12:52
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received Terms. - Due Diligence Vendor-02/03/2026
Ready for Review-Document Uploaded. Uploaded mortgage documentation of concurrent - Seller-01/30/2026
Open-Please provide second mortgage terms and payment verification for property 3b. Additional findings may apply. - Due Diligence
Vendor-01/28/2026
|
Ready for Review-Document Uploaded. Uploaded mortgage documentation of concurrent - Seller-01/30/2026
|
Resolved-Received Terms. - Due Diligence Vendor-02/03/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual $113,657.70; minimum required NONE
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 16+ Years – Minimum = 2 Years
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 72 Months Required = 12 months
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7337481
|
|
|
959624
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
959625
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
959626
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
961908
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
961909
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
965799
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1302
|
2026-01-27 09:30
|
2026-01-27 10:03
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Disclosure
|
Home Loan Toolkit Not Provided Within 3 Days of Application Date
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). Originator
waiver applied to non-material Findings.
- Due Diligence Vendor-01/27/2026
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). Originator
waiver applied to non-material Findings.
- Due Diligence Vendor-01/27/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7310171
|
|||
|
965800
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
967168
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1193
|
2026-02-05 13:01
|
2026-02-20 11:47
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Waived-Client provided a waiver to allow exceeding DTI by .31%, applied to non material finding with comp factors - Due Diligence
Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see uploaded exception. - Seller-02/18/2026
Counter-No document provided. Missing proof of XXXX card being paid off. Credit refresh still reflect balance owed. - Due Diligence
Vendor-02/17/2026
Ready for Review-Document Uploaded. Uploaded executed 4506 - Seller-02/12/2026
Ready for Review-Document Uploaded. - Seller-02/09/2026
Counter-Received 1008. Missing proof of XXXX card being paid off. - Due Diligence Vendor-02/06/2026
Ready for Review-Document Uploaded. Refer to attachment DTI is 48.80% - Seller-02/05/2026
Open-Audited DTI of 49.31% exceeds Guideline DTI of 49% *New* Per the Gap Report provided XXXX Card (XXXX) was paid down, but not paid
off. - Due Diligence Vendor-02/05/2026
|
Ready for Review-Document Uploaded. Please see uploaded exception. - Seller-02/18/2026
Ready for Review-Document Uploaded. Uploaded executed XXXX - Seller-02/12/2026
Ready for Review-Document Uploaded. - Seller-02/09/2026
Ready for Review-Document Uploaded. Refer to attachment DTI is 48.80% - Seller-02/05/2026
|
Waived-Client provided a waiver to allow exceeding DTI by .31%, applied to non material finding with comp factors - Due Diligence
Vendor-02/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
Great Credit Score 797
No late payment history
Low CLTV
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Investor Post-Close
|
No
|
7472250
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0075
|
2026-01-27 22:06
|
2026-02-17 14:58
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration
|
Resolved-Received terms of commercial loan. - Due Diligence Vendor-02/17/2026
Ready for Review-Document Uploaded. Attached final fee sheet showing lender is central bank and seller is XXXX.
DOT showing title is LLC and borrower is just an authorized signer.
- Seller-02/10/2026
Counter-Received LOE confirming commercial purchase. Please provide the Terms of the Commercial Loan to verify the borrower is not
personally liable. - Due Diligence Vendor-02/06/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Counter-Please provide the Terms of the Commercial Loan to verify the borrower is not personally liable. - Due Diligence
Vendor-02/05/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Counter-1003 provided, Section 5b F. Borrower states they are a co-signor of a debt not disclosed on the application. - Due Diligence
Vendor-02/03/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. - Due Diligence
Vendor-01/28/2026
|
Ready for Review-Document Uploaded. Attached final fee sheet showing lender is central bank and seller is XXXX.
DOT showing title is LLC and borrower is just an authorized signer.
- Seller-02/10/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
|
Resolved-Received terms of commercial loan. - Due Diligence Vendor-02/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7323232
|
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1334
|
2026-01-30 10:06
|
2026-02-17 14:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Executed 4506-T/4506-C is Missing
|
Resolved-Received 2 years 4506-C - Due Diligence Vendor-02/03/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Open-Borrower 1 Executed 4506-T/4506-C is Missing Provide 4506-C for XXXX Additional findings may apply. - Due Diligence
Vendor-01/30/2026
|
Ready for Review-Document Uploaded. - Seller-01/30/2026
|
Resolved-Received 2 years 4506-C - Due Diligence Vendor-02/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7373673
|
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1335
|
2026-01-30 10:06
|
2026-02-17 14:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 IRS Transcripts Missing
|
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-02/17/2026
Ready for Review-Document Uploaded. - Seller-02/11/2026
Counter-No document provided. Per XXXX- FullDoc- Heloc-GUIDELINE- Dated- XXXX- 4506 section-An executed 4506-C/Tax Transcripts are
required when Tax Returns, W-2, or Paystubs are used to support the income used for qualifying the borrower(s) and/or required per program or at the discretion of an underwriting manager or their proxy. If not being provided as stated in guide,
must have underwriting manager approval. - Due Diligence Vendor-02/10/2026
Ready for Review- the borrower is salaried borrower. as per guideline for the salaried borrowers, most recent 2 years W2 and paystub
which are already included on the loan package. IRS is required per guideline if the borrowers are self employed - Seller-02/09/2026
Counter-No document provided. Per XXXX- FullDoc- Heloc-XXXX- 4506 section-An executed 4506-C/Tax Transcripts are required when Tax
Returns, W-2, or Paystubs are used to support the income used for qualifying the borrower(s) and/or required per program or at the discretion of an underwriting manager or their proxy. Finding remains. - Due Diligence Vendor-02/06/2026
Ready for Review- Please note that the borrower is salaried borrower. as per guideline for the salaried borrowers, most recent 2 years
W2 and paystub which are already included on the loan package. IRS is required per guideline if the borrowers are self employed - Seller-02/05/2026
Counter-2 years W-2's provided. Please provide the transcripts. - Due Diligence Vendor-02/05/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Counter-Unsigned XXXX 1120S provided, Please provide 2 years Transcipts. - Due Diligence Vendor-02/03/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Open-Borrower 1 IRS Transcripts Missing. Additional findings may apply. - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. - Seller-02/11/2026
Ready for Review- the borrower is salaried borrower. as per guideline for the salaried borrowers, most recent 2 years W2 and paystub
which are already included on the loan package. IRS is required per guideline if the borrowers are self employed - Seller-02/09/2026
Ready for Review- Please note that the borrower is salaried borrower. as per guideline for the salaried borrowers, most recent 2 years
W2 and paystub which are already included on the loan package. IRS is required per guideline if the borrowers are self employed - Seller-02/05/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
|
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-02/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7373674
|
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0196
|
2026-01-30 10:36
|
2026-02-05 13:02
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Payoff(s) on the CD/HUD are not reported on Title Report
|
Resolved-Received, credit refresh. - Due Diligence Vendor-02/05/2026
Ready for Review-Document Uploaded. - Seller-02/03/2026
Open-Payoff(s) on the CD/HUD are not reported on Title Report. Please provide payoff for credit cards paid on CD as credit report
balances do not match what was paid. Additional findings may apply. - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. - Seller-02/03/2026
|
Resolved-Received, credit refresh. - Due Diligence Vendor-02/05/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7374400
|
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-01-27 19:19
|
2026-02-03 12:43
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Upon further review, Legal was located in the loan file. - Due Diligence Vendor-02/03/2026
Ready for Review-Document Uploaded. Kindly note that in this deed of trust, it does not need a Legal Description. Please refer to
attachment and screenshot. - Seller-01/30/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description
- Due Diligence Vendor-01/28/2026
|
Ready for Review-Document Uploaded. Kindly note that in this deed of trust, it does not need a Legal Description. Please refer to
attachment and screenshot. - Seller-01/30/2026
|
Resolved-Upon further review, Legal was located in the loan file. - Due Diligence Vendor-02/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7322211
|
|
|
967169
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE6666
|
2026-01-30 08:33
|
2026-02-02 13:06
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Secondary Valuation product is dated prior to the Appraisal date
|
Resolved-Upon further review, AVM was dated prior to the appraisal. Desk Review was also provided. Both products support the value. -
Due Diligence Vendor-02/02/2026
Ready for Review-Can you please specify what is needed? - Seller-01/30/2026
Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence
Vendor-01/30/2026
|
Ready for Review-Can you please specify what is needed? - Seller-01/30/2026
|
Resolved-Upon further review, AVM was dated prior to the appraisal. Desk Review was also provided. Both products support the value. -
Due Diligence Vendor-02/02/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7370778
|
||
|
967170
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
967171
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-01-30 13:04
|
2026-02-09 15:23
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received Final CD for HELOC on Primary Residence - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. Please see uploaded Note & CD for the concurrent loan. XXXX. Thank you - Seller-02/09/2026
Counter-Please provide the CD to verify the note payment on the new XXXX second lien for property 3b. - Due Diligence Vendor-02/09/2026
Ready for Review-All the information needed is already in the provided property profile (PP, Mortgage Statement, Tax bill, HOI) - Due
Diligence Vendor-02/09/2026
Counter-Received statement, property profile, Tax Bill. 1. 3b- Statement provided appear to be for 3c. Missing proof of second lien.
2. Missing PI for 3c. 3. Property 3c is identified as XXXX on HOI. Missing proof of Taxes for XXXX. Tax bill does not cover this property. 4. Missing property profile for XXXX to confirm no additional liens present. - Due Diligence
Vendor-02/06/2026
Ready for Review-Document Uploaded. Please see uploaded for 3b & 3c. - Seller-02/04/2026
Counter-Please provide PITIA verification for for 3b and 3c. - Due Diligence Vendor-02/04/2026
Ready for Review-This is concurrent loan. Mortgage payment - 12640.00 + Taxes,Insurance, HOD - 3,502.98 = 16,142.98 - Seller-02/02/2026
Open-Provide terms of second mortgage for property 3b.
Provide verification of PITI for property 3c.
Additional findings may apply. - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. Please see uploaded Note & CD for the concurrent loan. XXXX. Thank you - Seller-02/09/2026
Ready for Review-Document Uploaded. Please see uploaded for 3b & 3c. - Seller-02/04/2026
Ready for Review-This is concurrent loan. Mortgage payment - 12640.00 + Taxes,Insurance, HOD - 3,502.98 = 16,142.98 - Seller-02/02/2026
|
Resolved-Received Final CD for HELOC on Primary Residence - Due Diligence Vendor-02/09/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7379255
|
|
|
967171
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-01-30 13:02
|
2026-02-09 11:22
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Borrower is not responsible for this property per the mortgage statement and property report. - Due Diligence Vendor-02/09/2026
Ready for Review-Please disregard the below comment - Seller-02/06/2026
Ready for Review-Note that as per PP borrower is not showing as the owner so there is no financial responsibilities on this. There is a
loan statement provided under the owner's name, see page 8 on the PP - Seller-02/06/2026
Counter-Received Property profile, HOI, and Tax Bill. PP confirm property obtained XXXX for over XXXX. Unable to confirm if Private
mortgage in place. Please provide release of lien. - Due Diligence Vendor-02/06/2026
Ready for Review-Document Uploaded. Please see uploaded for 3c - Seller-02/04/2026
Counter-Guidelines quoted are for DSCR and Not ration loans only. Guidelines state - Credit report must reflect 0X30 in last 12 months
for all mortgages, both subject and non-subject. - Due Diligence Vendor-02/04/2026
Ready for Review-As per GL, For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing
history is not required. - Seller-02/02/2026
Open-Housing History Does Not Meet Guideline Requirements. Provide payment history for property 3C listed on 1003. Additional findings
may apply. - Due Diligence Vendor-02/02/2026
|
Ready for Review-Please disregard the below comment - Seller-02/06/2026
Ready for Review-Note that as per PP borrower is not showing as the owner so there is no financial responsibilities on this. There is
a loan statement provided under the owner's name, see page 8 on the PP - Seller-02/06/2026
Ready for Review-Document Uploaded. Please see uploaded for 3c - Seller-02/04/2026
Ready for Review-As per GL, For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing
history is not required. - Seller-02/02/2026
|
Resolved-Borrower is not responsible for this property per the mortgage statement and property report. - Due Diligence Vendor-02/09/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7379220
|
|
|
970131
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
970132
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
970133
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
970135
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
971502
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-01-30 14:20
|
2026-02-04 14:17
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-Received Certificate of Trust. - Due Diligence Vendor-02/04/2026
Ready for Review-Document Uploaded. - Seller-02/02/2026
Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Please provide
certification of trust - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. - Seller-02/02/2026
|
Resolved-Received Certificate of Trust. - Due Diligence Vendor-02/04/2026
|
Credit history exceeds minimum required - Tradelines all paid as agreed for 24 + months.
CLTV is less than guidelines maximum - Required is 65 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7380709
|
|
|
971503
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
971504
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
973474
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
975401
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
975402
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
975403
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
975404
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
975405
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-02-03 17:12
|
2026-02-10 10:15
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Borrower is not on the loan for property 3D and the second lien with XXXX has not closed yet for property 3B. - Due Diligence
Vendor-02/10/2026
Counter-Received 1003 reflecting property XXXX receiving rents. Must include HOI to determine rents. 2. Borrower acknowledge new credit
obtained from inquires. Borrower to provide terms of second lien. - Due Diligence Vendor-02/06/2026
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: 1. REO 523: borrower is on title only, don need to include in DTI,
according to mortgage statement. 2. 2. There is no second lien against the REO XXXX yet. uploaded real quest for this REO that pulled on XXXX showing there is no lien against the property for the second lien and updated 1003 to portal. -
Seller-02/05/2026
Open-1.) Missing verification of hazard insurance for property 3D. 2.) missing verification of the second lien with XXXX for property
3B. - Due Diligence Vendor-02/03/2026
|
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: 1. REO 523: borrower is on title only, don need to include in DTI,
according to mortgage statement. 2. 2. There is no second lien against the REO XXXX yet. uploaded XXXX for this REO that pulled on XXXX showing there is no lien against the property for the second lien and updated 1003 to portal. -
Seller-02/05/2026
|
Resolved-Borrower is not on the loan for property 3D and the second lien with XXXX has not closed yet for property 3B. - Due Diligence
Vendor-02/10/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7426873
|
|
|
975405
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1334
|
2026-02-03 14:02
|
2026-02-06 08:50
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Executed 4506-T/4506-C is Missing
|
Resolved-4506-C was provided for the borrower. - Due Diligence Vendor-02/06/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Open-Borrower 1 Executed 4506-T/4506-C is Missing. B1 is a wage earner. Additional findings may apply. - Due Diligence
Vendor-02/03/2026
|
Ready for Review-Document Uploaded. - Seller-02/05/2026
|
Resolved-4506-C was provided for the borrower. - Due Diligence Vendor-02/06/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7423761
|
|
|
975406
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
977136
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1302
|
2026-02-04 08:07
|
2026-02-04 09:02
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Disclosure
|
Home Loan Toolkit Not Provided Within 3 Days of Application Date
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator
waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator
waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7434942
|
|||
|
977137
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM4283
|
2026-02-05 09:21
|
2026-02-09 14:24
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Missing Deed of Trust
|
Resolved-Received security instrument. - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Open-Missing Deed of Trust - Additional findings may apply. - Due Diligence Vendor-02/05/2026
|
Ready for Review-Document Uploaded. - Seller-02/05/2026
|
Resolved-Received security instrument. - Due Diligence Vendor-02/09/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual $10,930.21; minimum required NONE
Long term residence - Long Term Residence = 18+ years
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 22+ Years – Minimum = 2 Years
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7461646
|
|
|
977137
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-02-05 09:23
|
2026-02-09 14:20
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received CD - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Open-Missing proof of liability not disclosed on credit report- Missing verification of PITI for new primary, property 3b listed on
1003. Additional findings may apply. - Due Diligence Vendor-02/05/2026
|
Ready for Review-Document Uploaded. - Seller-02/05/2026
|
Resolved-Received CD - Due Diligence Vendor-02/09/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual $10,930.21; minimum required NONE
Long term residence - Long Term Residence = 18+ years
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 22+ Years – Minimum = 2 Years
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7461731
|
|
|
977137
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1335
|
2026-02-05 08:40
|
2026-02-09 14:14
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 IRS Transcripts Missing
|
Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Open-Borrower 1 IRS Transcripts Missing- additional findings may apply. - Due Diligence Vendor-02/05/2026
|
Ready for Review-Document Uploaded. - Seller-02/05/2026
|
Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-02/09/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual $10,930.21; minimum required NONE
Long term residence - Long Term Residence = 18+ years
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 22+ Years – Minimum = 2 Years
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7460769
|
|
|
977137
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0044
|
2026-02-05 08:30
|
2026-02-09 14:11
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-02/09/2026
Ready for Review-XXXX - Rebuttal/Comment: We don’t need credit inquiry for this file as the inquiry made on XXXX matches the credit
report ordered date XXXX - Seller-02/05/2026
Open-LOX for credit inquiries is missing. Additional Findings may apply. - Due Diligence Vendor-02/05/2026
|
Ready for Review-XXXX - Rebuttal/Comment: We don’t need credit inquiry for this file as the inquiry made on XXXX matches the credit
report ordered date XXXX - Seller-02/05/2026
|
Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-02/09/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual $10,930.21; minimum required NONE
Long term residence - Long Term Residence = 18+ years
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 22+ Years – Minimum = 2 Years
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7460486
|
||
|
981658
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-09 11:49
|
2026-02-18 17:03
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Trust agreement was provided. - Due Diligence Vendor-02/18/2026
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Please refer to the submitted Trust Cert - The initial trust dated is XXXX
and restated on XXXX.
In vesting, original trust date of XXXX is used in lieu of the restated date. Moreover, original trust cert is not required since the
revised trust cert supersedes prior version of trust cert. - Seller-02/17/2026
Counter-Received Trust Cert dated XXXX. Please provide title confirmation of acceptable of dated Trust Cert or current Trust Cert. -
Due Diligence Vendor-02/11/2026
Ready for Review-Document Uploaded. - Seller-02/09/2026
Open-Missing Trust Agreement or Fully executed Trust Cert by title agent. Additional findings may apply. - Due Diligence
Vendor-02/09/2026
|
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Please refer to the submitted Trust Cert - The initial trust dated is XXXX
and restated on XXXX.
In vesting, original trust date of XXXX is used in lieu of the restated date. Moreover, original trust cert is not required since the
revised trust cert supersedes prior version of trust cert. - Seller-02/17/2026
Ready for Review-Document Uploaded. - Seller-02/09/2026
|
Resolved-Trust agreement was provided. - Due Diligence Vendor-02/18/2026
|
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years
Long term residence - Long Term Residence = 22+ years
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7518302
|
|
|
981659
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1195
|
2026-02-09 09:02
|
2026-02-09 10:43
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited CLTV Exceeds Guideline CLTV
|
Waived-Originator exception granted, waiver applied with comp factors. Max CLTV XX.XX% deemed non-material due to less than 5%.
- Due Diligence Vendor-02/09/2026
Open-Audited CLTV of XXX% exceeds Guideline CLTV of 60% The loan file contains an Exception and pricing adjustment for CLTV exceeding
GL by 5% - Due Diligence Vendor-02/09/2026
|
Waived-Originator exception granted, waiver applied with comp factors. Max CLTV XX.XX% deemed non-material due to less than 5%.
- Due Diligence Vendor-02/09/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7514126
|
|||
|
981660
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
983682
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
985510
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1509
|
2026-02-10 08:44
|
2026-02-24 14:36
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Note Document
|
Resolved-Lender provided corrected note reflecting initial advance of XXXX - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. Initial advance is XXXX please see attached - Seller-02/21/2026
Counter-Received duplicate Note that does not support the initial advance of XXXX. Both uploads indicate Credit Limit of XXXX. - Due
Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. - Seller-02/18/2026
Counter-Received duplicate note that indicate credit line is XXXX but initial advance is XXXX. Document does not indicate additional
funds allowed. Clarification required. - Due Diligence Vendor-02/17/2026
Ready for Review-Document Uploaded. - Seller-02/13/2026
Open-There are Issues Present on the Note that must be addressed. Per note, credit line is XXXX but initial advance is XXXX. - Due
Diligence Vendor-02/10/2026
|
Ready for Review-Document Uploaded. Initial advance is XXXX please see attached - Seller-02/21/2026
Ready for Review-Document Uploaded. - Seller-02/18/2026
Ready for Review-Document Uploaded. - Seller-02/13/2026
|
Resolved-Lender provided corrected note reflecting initial advance of XXXX - Due Diligence Vendor-02/24/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7533828
|
|
|
985511
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-02-11 12:56
|
2026-02-14 16:18
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received modification agreement and LOE. - Due Diligence Vendor-02/14/2026
Ready for Review-Document Uploaded. Please see uploaded Modification agreement and the mortgage statement page 7. - Seller-02/11/2026
Open-Missing verification of homeowners insurance for 3c. Letter from the borrower startes the property is owned free and clesr, final
application reflects a lien on this property with XXXX. - Due Diligence Vendor-02/11/2026
|
Ready for Review-Document Uploaded. Please see uploaded Modification agreement and the mortgage statement page 7. - Seller-02/11/2026
|
Resolved-Received modification agreement and LOE. - Due Diligence Vendor-02/14/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 34.35 months
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7563485
|
|
|
985512
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FCRE4805
|
2026-02-11 09:19
|
2026-02-14 16:25
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Trust/POA Does Not Meet Guideline Requirements
|
Resolved-Received Revocable Trust. - Due Diligence Vendor-02/14/2026
Ready for Review-Document Uploaded. - Seller-02/11/2026
Open-Trust/POA Does Not Meet Guideline Requirements Missing the trust documents. - Due Diligence Vendor-02/11/2026
|
Ready for Review-Document Uploaded. - Seller-02/11/2026
|
Resolved-Received Revocable Trust. - Due Diligence Vendor-02/14/2026
|
LTV is less than guideline maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7557660
|
|
|
985512
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO1257
|
2026-02-11 07:35
|
2026-02-14 16:23
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received SSR's with a LCA score of 1 and CU score of 1.9 - Due Diligence Vendor-02/14/2026
Ready for Review-Document Uploaded. XXXX: Per guideline, CDA is required if both CU and LCA Scores are > 2.5 or not available. CU
score is 1 .9 and LCA score is 1 which makes CDA not required - Seller-02/11/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing the secondary valuation required
by the guidelines or the CU/LCA score of 2.5 or less. - Due Diligence Vendor-02/11/2026
|
Ready for Review-Document Uploaded. XXXX: Per guideline, CDA is required if both CU and LCA Scores are > 2.5 or not available. CU
score is 1 .9 and LCA score is 1 which makes CDA not required - Seller-02/11/2026
|
Resolved-Received SSR's with a LCA score of 1 and CU score of 1.9 - Due Diligence Vendor-02/14/2026
|
LTV is less than guideline maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7555222
|
|
|
985514
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
985515
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO1257
|
2026-02-11 08:42
|
2026-02-19 12:04
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/19/2026
Ready for Review-Document Uploaded. Uploaded revised CDA - Seller-02/17/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is
unsubstantiated. Additional valuation product is required. Additional findings may apply. Please see guidelines for acceptable review products. - Due Diligence Vendor-02/11/2026
|
Ready for Review-Document Uploaded. Uploaded revised CDA - Seller-02/17/2026
|
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/19/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7556759
|
|
|
987321
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
987322
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
Closed
|
FCRE1193
|
2026-02-12 13:44
|
2026-02-18 13:53
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Waived-Originator provided a waiver to allow exceeding DTI by 0.11% applied to non material finding with comp factors - Due Diligence
Vendor-02/18/2026
Ready for Review-Document Uploaded. Please see uploaded exception. - Seller-02/14/2026
Open-Audited DTI of 49.11% exceeds Guideline DTI of 49% Lender used a hazard insurance payment of $178.19 monthly, per the declaration
pager the hazard insurance monly is $199.47 result ing the DTI of 49.11% which exceeds themaximum allowed of 49%. - Due Diligence Vendor-02/13/2026
|
Ready for Review-Document Uploaded. Please see uploaded exception. - Seller-02/14/2026
|
Waived-Originator provided a waiver to allow exceeding DTI by 0.11% applied to non material finding with comp factors - Due Diligence
Vendor-02/18/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
Low CLTV XX.XX%
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7588711
|
|
987322
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
Closed
|
FPRO0022
|
2026-02-12 13:37
|
2026-02-13 15:51
|
Waived
|
2 - Non-Material
|
B
|
B
|
Property
|
Property
|
FEMA disaster (Public) after appraisal without a PDI or 1004D
|
Waived-Public XXXX disaster after appraisal without a PDI or 1004D. XXXX Post closing XXXX; Public Assistance. - Due Diligence
Vendor-02/12/2026
|
Waived-Public XXXX disaster after appraisal without a PDI or 1004D. XXXX Post closing XXXX; Public Assistance. - Due Diligence
Vendor-02/12/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7588528
|
|||
|
987323
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4989
|
2026-02-12 10:50
|
2026-03-09 08:52
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Closing
|
Collections, liens or judgments not paid at closing
|
Waived-Originator waiver applied to non-material finding with compensating factors. Exception to leave judgment open, payment
arrangements provided. Borrower received $336,000 in cash out. - Due Diligence Vendor-03/09/2026
Ready for Review-Document Uploaded. - Seller-03/06/2026
Counter-Received 1008. Guideline- XXXX Alt-Doc-HELOC- XXXX- Collections and Charge- offs- Judgements, Garnishments, and Liens: Open
judgments, garnishments, and all outstanding liens that are in the public records section of the credit report will be identified and must be paid off prior to closing. Documentation of the satisfaction of these liabilities, along will
verification of funds sufficient to satisfy these obligations, must also be obtained.--- Guideline does not allow for reserves, debt must be paid. Finding remains.
- Due Diligence Vendor-02/18/2026
Ready for Review-Document Uploaded. Please see UW comments: Per XXXX, XXXX judgement per previous XXXX ""For the judgement shown on the
data verify, we decided to show enough reserve to pay off and hit it with DTI (as we have an installment agreement). We had the same logic applied with his previous transaction so we should be fine as well.""
*uploaded 1008" - Seller-02/13/2026
Open-The fraud report reflects an open judgement which was not paid at closing. A letter with payment arrangements was located in the
loan file, however guidelines state that open judgements must be paid at closing. An exception was not located in the loan file. - Due Diligence Vendor-02/12/2026
|
Ready for Review-Document Uploaded. - Seller-03/06/2026
Ready for Review-Document Uploaded. Please see UW comments: Per XXXX, XXXX judgement per previous #XXXX ""For the judgement shown on
the data verify, we decided to show enough reserve to pay off and hit it with DTI (as we have an installment agreement). We had the same logic applied with his previous transaction so we should be fine as well.""
*uploaded 1008" - Seller-02/13/2026
|
Waived-Originator waiver applied to non-material finding with compensating factors. Exception to leave judgment open, payment
arrangements provided. Borrower received $336,000 in cash out. - Due Diligence Vendor-03/09/2026
|
Credit history exceeds minimum required - Credit History = 331 Months Minimum Credit History = 24 Months
Long term residence - Long Term Residence = 6+ years
|
Sufficient assets to pay debt
722 fico
long term at primary.
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7584675
|
|
987324
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
987325
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
988764
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-12 20:35
|
2026-02-18 13:35
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Documents. - Due Diligence Vendor-02/18/2026
Ready for Review-Document Uploaded. - Seller-02/17/2026
Open-Trust agreement is missing in file - Due Diligence Vendor-02/17/2026
|
Ready for Review-Document Uploaded. - Seller-02/17/2026
|
Resolved-Received Trust Documents. - Due Diligence Vendor-02/18/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7598174
|
|
|
988765
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM1352
|
2026-02-13 05:27
|
2026-02-18 13:30
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Resolved-Received Business Purpose Affidavit Disclosure indicating funds for Business. - Due Diligence Vendor-02/18/2026
Ready for Review-Document Uploaded. - Seller-02/17/2026
Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit is not sigend and does not state reason for
cash out. - Due Diligence Vendor-02/13/2026
|
Ready for Review-Document Uploaded. - Seller-02/17/2026
|
Resolved-Received Business Purpose Affidavit Disclosure indicating funds for Business. - Due Diligence Vendor-02/18/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7602185
|
|
|
988766
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
988767
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-13 15:13
|
2026-03-04 16:09
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-The 2 properties are a duplex and online research confirms. - Due Diligence Vendor-03/04/2026
Ready for Review-Document Uploaded. Please note that XXXX is a duplex. Thank you. - Seller-02/19/2026
Counter-No document provided. Schedule E property E appears to be XXXX. - Due Diligence Vendor-02/19/2026
Ready for Review-Could you please specify what property? Thank you. - Seller-02/17/2026
Open-Housing History Does Not Meet Guideline Requirements Provide mortgage payment history on property E listed on Schedule E.
Additional findings may apply. - Due Diligence Vendor-02/13/2026
|
Ready for Review-Document Uploaded. Please note that XXXX is a duplex. Thank you. - Seller-02/19/2026
Ready for Review-Could you please specify what property? Thank you. - Seller-02/17/2026
|
Resolved-The 2 properties are a duplex and online research confirms. - Due Diligence Vendor-03/04/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7616920
|
|
|
988768
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
988769
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
988770
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0044
|
2026-02-17 07:47
|
2026-02-19 12:29
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Received LOX for Credit inquiries. Inquiry XXXX outside 90 day requirement. - Due Diligence Vendor-02/19/2026
Ready for Review-Document Uploaded. - Seller-02/17/2026
Open-LOX for credit inquiries is missing. Additional findings may apply. - Due Diligence Vendor-02/17/2026
|
Ready for Review-Document Uploaded. - Seller-02/17/2026
|
Resolved-Received LOX for Credit inquiries. Inquiry XXXX outside 90 day requirement. - Due Diligence Vendor-02/19/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7649407
|
|
|
988771
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
993598
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
995937
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-18 07:07
|
2026-02-24 14:43
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Mortgage statements confirming December M&T payment. - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. Please note that DLA per credit report is XXXX, per see attached copy of mortgage statement dated
XXXX. Credit report shows no late payments. Thank you. - Seller-02/21/2026
Counter-Received Mortgage Statement and Note reflecting purchased in XXXX. Missing 12 month payment history. - Due Diligence
Vendor-02/20/2026
Ready for Review-Document Uploaded. - Seller-02/18/2026
Open-Housing History Does Not Meet Guideline Requirements Please provide payment history or evidence of owned free and clear for primary
residence. Property Profile and Fraud Reports reflect a lien in the amount of XXXX. Additional findings may apply. - Due Diligence Vendor-02/18/2026
|
Ready for Review-Document Uploaded. Please note that DLA per credit report is XXXX, per see attached copy of mortgage statement dated
XXXX. Credit report shows no late payments. Thank you. - Seller-02/21/2026
Ready for Review-Document Uploaded. - Seller-02/18/2026
|
Resolved-Received Mortgage statements confirming XXXX payment. - Due Diligence Vendor-02/24/2026
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CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7673187
|
|
|
995937
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1182
|
2026-02-18 07:15
|
2026-02-18 13:19
|
Waived
|
2 - Non-Material
|
B
|
B
|
Credit
|
Missing Doc
|
Approval/Underwriting Summary Not Provided
|
Waived-Originator waiver applied to non material finding with comp factors
- Due Diligence Vendor-02/18/2026
Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/18/2026
|
Waived-Originator waiver applied to non material finding with comp factors
- Due Diligence Vendor-02/18/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
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ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7673287
|
|||
|
1000887
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000888
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000889
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000890
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000891
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000892
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000893
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1000894
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0157
|
2026-02-20 08:14
|
2026-02-24 14:22
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Loan does not meet guideline requirements for loans listed for sale
|
Resolved-Received proof removed XXXX and date of initial 1003 XXXX - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. Please see uploaded evidence of removed and property profile. It shows It has been sold XXXX same
with the property profile. Also, shows that the listing has been removed. - Seller-02/20/2026
Open-Loan does not meet guideline requirements for loans listed for sale. Provide evidence that the subject was taken off the market at
least one day prior to the loan application as evidences by the listing cancellation per guidelines. Additional findings may apply. - Due Diligence Vendor-02/20/2026
|
Ready for Review-Document Uploaded. Please see uploaded evidence of removed and property profile. It shows It has been sold XXXX same
with the property profile. Also, shows that the listing has been removed. - Seller-02/20/2026
|
Resolved-Received proof removed XXXX and date of initial 1003 XXXX - Due Diligence Vendor-02/24/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7717219
|
|
|
1002202
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1004463
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1004464
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1004465
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1193
|
2026-02-23 10:00
|
2026-03-12 13:41
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Waived-Originator provided a waiver for 49.54% DTI to exceed 49% applied to non material finding with comp factors - Due Diligence
Vendor-03/12/2026
Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-03/10/2026
Counter-Received 1008 and 1003 duplicating income for borrower. Income: XXXX + XXXX rental income + Total XXXX. Original finding
remains. - Due Diligence Vendor-03/10/2026
Ready for Review-Borrower has XX.XX
|
Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-03/10/2026
Ready for Review-Borrower has XX.XX
|
Waived-Originator provided a waiver for 49.54% DTI to exceed 49% applied to non material finding with comp factors - Due Diligence
Vendor-03/12/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
CLTV 60%<75% max
FICO: 701>680 minimum required.
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7754055
|
|
1004465
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1161
|
2026-02-23 08:51
|
2026-02-25 17:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Flood Certificate Missing
|
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. Please see uploaded Flood Cert. - Seller-02/23/2026
Open-Missing Flood Certificate Additional findings may apply. - Due Diligence Vendor-02/23/2026
|
Ready for Review-Document Uploaded. Please see uploaded Flood Cert. - Seller-02/23/2026
|
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/25/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7752402
|
|
|
1004466
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1364
|
2026-02-24 07:00
|
2026-02-27 15:37
|
Waived
|
2 - Non-Material
|
D
|
B
|
Credit
|
Missing Doc
|
Borrower 2 Executed 4506-T/4506-C is Missing
|
Waived-Originator provided a waiver to waive 4506t and tax transcript with w2, applied to non material finding with comp factors - Due
Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. - Seller-02/26/2026
Open-Borrower 2 Executed 4506-T/4506-C is Missing B2 was qualified as a wage earner - Due Diligence Vendor-02/24/2026
|
Ready for Review-Document Uploaded. - Seller-02/26/2026
|
Waived-Originator provided a waiver to waive 4506t and tax transcript with w2, applied to non material finding with comp factors - Due
Diligence Vendor-02/27/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
LTV and CLTV XX.XX/XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7774933
|
|
1004466
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1296
|
2026-02-24 07:48
|
2026-02-27 15:35
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income 5 Months Income Verified is Missing
|
Resolved-Income 5 Months Income Verified is Missing Received CPA letter confirming 100% ownership. - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. - Seller-02/25/2026
Open-Income 5 Months Income Verified is Missing Please provide evidence that the borrower 100% owner of the business entity associated
with the REO 3d listed on the loan application. - Due Diligence Vendor-02/24/2026
|
Ready for Review-Document Uploaded. - Seller-02/25/2026
|
Resolved-Income 5 Months Income Verified is Missing Received CPA letter confirming 100% ownership. - Due Diligence Vendor-02/27/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7775819
|
|
|
1004467
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-23 11:27
|
2026-03-11 14:33
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust excluding amendment. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. - Seller-03/09/2026
Counter-Received Article of Creation of Trust. Upload appear to include an amendment (starting pg 22) but not signed nor notarized.
Unable to confirm documents confirmed by Title. Finding remains. - Due Diligence Vendor-03/09/2026
Ready for Review-Document Uploaded. - Seller-03/05/2026
Counter-Received seasoned Trust. Missing the Certification of Trust from Attorney or Title. - Due Diligence Vendor-02/26/2026
Ready for Review-Document Uploaded. - Seller-02/24/2026
Open-Additional findings may apply - Due Diligence Vendor-02/23/2026
|
Ready for Review-Document Uploaded. - Seller-03/09/2026
Ready for Review-Document Uploaded. - Seller-03/05/2026
Ready for Review-Document Uploaded. - Seller-02/24/2026
|
Resolved-Received Trust excluding amendment. - Due Diligence Vendor-03/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7757320
|
|
|
1004469
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-02-23 17:12
|
2026-03-10 14:40
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-The amount of $68.23 is the difference between the actual amount of property tax and insurance based on the documents in file
and the escrowed amount on mortgage statement. - Due Diligence Vendor-03/10/2026
Counter-Received lender note no HOA. Please provide documents to confirm 68.23 noted on 1003 if not HOA. Finding remains. - Due
Diligence Vendor-03/09/2026
Ready for Review-Please advise that per letter provided, the borrower already confirmed that the property doesn't have HOA dues and the
information on XXXX shows #2 month HOA is incorrect. This is also a SFR property. - Seller-03/06/2026
Counter-Received LOX. Unclear what "information on XXXX shows #2 moths HOA is incorrect:. Letter also did not identify the $68.23. -
Due Diligence Vendor-02/26/2026
Ready for Review-Document Uploaded. - Seller-02/24/2026
Open-Per the application, property 3b has an additional cost of $68.23. Mortgage statement supports taxes and inusrance are escowed and
borrower states there are no HOA fees. Missing documentation to support the additional p[roperty expense. - Due Diligence Vendor-02/23/2026
|
Ready for Review-Please advise that per letter provided, the borrower already confirmed that the property doesn't have HOA dues and the
information on XXXX shows #2 month HOA is incorrect. This is also a SFR property. - Seller-03/06/2026
Ready for Review-Document Uploaded. - Seller-02/24/2026
|
Resolved-The amount of $68.23 is the difference between the actual amount of property tax and insurance based on the documents in file
and the escrowed amount on mortgage statement. - Due Diligence Vendor-03/10/2026
|
CLTV is less than guidelines maximum - Required is 90 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7765894
|
|
|
1010905
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1010906
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-24 10:08
|
2026-03-11 16:34
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Clarification and documentation to support. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. Please note that the Condo project uses the address of XXXX as the mailing address, and the XXXX is
the address of the actual unit.
That's why the XXXX. If we try to look for this on the county records, there is no result coming back. So basically, they are referring
to XXXX,
but when they refer to it, they use the XXXX because that's the legal address of the condo project.
- Seller-03/09/2026
Counter-Received documents for XXXX. Referenced letter referred to property XXXX. Provide PITI for XXXX . - Due Diligence
Vendor-02/27/2026
Ready for Review-Document Uploaded. Please advise that the property XXXX is listed in the final 1003 - Seller-02/26/2026
Open-Housing History Does Not Meet Guideline Requirements Provide payment history for property not listed on 1003, which is listed on a
HOA letter dated XXXX with an HOA payment of $300. Additional findings may apply. - Due Diligence Vendor-02/24/2026
|
Ready for Review-Document Uploaded. Please note that the Condo project uses the address of XXXX as the mailing address, and the XXXX is
the address of the actual unit.
That's why the XXXX has the XXXX. If we try to look for this on the county records, there is no result coming back. So basically, they
are referring to XXXX,
but when they refer to it, they use the XXXX because that's the legal address of the condo project.
- Seller-03/09/2026
Ready for Review-Document Uploaded. Please advise that the property XXXX is listed in the final 1003 - Seller-02/26/2026
|
Resolved-Received Clarification and documentation to support. - Due Diligence Vendor-03/11/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7778932
|
|
|
1010906
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-24 08:44
|
2026-03-11 14:19
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received executed Trust. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. - Seller-03/09/2026
Counter-Received unexecuted nor notarized seasoned Trust documents. 1. Missing Trust with Signatures and Dates 2. Missing the
Certification of Trust from Attorney or Title - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. - Seller-02/25/2026
Open-Additional Findings may apply - Due Diligence Vendor-02/24/2026
|
Ready for Review-Document Uploaded. - Seller-03/09/2026
Ready for Review-Document Uploaded. - Seller-02/25/2026
|
Resolved-Received executed Trust. - Due Diligence Vendor-03/11/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7777093
|
|
|
1012056
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-02-26 06:56
|
2026-03-09 14:30
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Received email confirmation lien paid. - Due Diligence Vendor-03/09/2026
Ready for Review-Document Uploaded. Please see uploaded email confirmation from title and payment receipt. The tax lien pay off was
included on the total payment. - Seller-03/05/2026
Counter-Received Schedule A. Document provided did not confirm lien paid. An email from title will be sufficient. - Due Diligence
Vendor-03/04/2026
Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-03/03/2026
Counter-Receive of CD in loan file did not reveal Lien noted in the amount of $2419.60. - Due Diligence Vendor-03/02/2026
Ready for Review-Please see page 298 (CD) - It is listed in CD Consummation - Tax Lien Payoff -XXXX - Seller-02/26/2026
Open-Property Title Issue Provide evidence the tax lien listed on title for $2,419.60 has been paid. Additional fondings may apply. -
Due Diligence Vendor-02/26/2026
|
Ready for Review-Document Uploaded. Please see uploaded email confirmation from title and payment receipt. The tax lien pay off was
included on the total payment. - Seller-03/05/2026
Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-03/03/2026
Ready for Review-Please see page 298 (CD) - It is listed in CD Consummation - Tax Lien Payoff - Investa Services LLC -
Seller-02/26/2026
|
Resolved-Received email confirmation lien paid. - Due Diligence Vendor-03/09/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7817707
|
|
|
1012057
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-25 12:45
|
2026-03-02 12:43
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust. - Due Diligence Vendor-03/02/2026
Ready for Review-Document Uploaded. Please see uploaded Trust Cert. - Seller-02/26/2026
Open-Missing copy of the full trust OR certificate of trust. Additional findings may apply. - Due Diligence Vendor-02/25/2026
|
Ready for Review-Document Uploaded. Please see uploaded Trust Cert. - Seller-02/26/2026
|
Resolved-Received Trust. - Due Diligence Vendor-03/02/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7803745
|
|
|
1015380
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-27 07:15
|
2026-03-13 11:53
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Credit report, mortgage statements and property detail report confirm housing history for the prior 12 months. - Due Diligence
Vendor-03/13/2026
Counter-Received upload XXXX that is not legible. Please reupload and address original finding. - Due Diligence Vendor-03/12/2026
Ready for Review-Document Uploaded. Per GL, Credit Report must reflect 12 months of trended data to demonstrate timely payments made for
all mortgages, both subject and non-subject. It shows on the credit report that no late payments made. - Seller-03/10/2026
Counter-Received Note, payment history XXXX. Missing complete 12 month payment history for primary or confirmation previously owned
free and clear. - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
Open-Housing History Does Not Meet Guideline Requirements Provide a complete 12 month payment history for subject first lien. The loan
application states borrower lived in subject 2 years and 4 months. The Property Detail report shows a loan amount of $1,485,000 recorded XXXX. Additionally, the appraisal states the home was purchased by the current owners on XXXX. - Due
Diligence Vendor-02/27/2026
|
Ready for Review-Document Uploaded. Per GL, Credit Report must reflect 12 months of trended data to demonstrate timely payments made for
all mortgages, both subject and non-subject. It shows on the credit report that no late payments made. - Seller-03/10/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
|
Resolved-Credit report, mortgage statements and property detail report confirm housing history for the prior 12 months. - Due Diligence
Vendor-03/13/2026
|
CLTV is less than guidelines maximum - Required is 65 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7841560
|
|
|
1015380
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-27 07:04
|
2026-03-04 13:04
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Certification of Trust. - Due Diligence Vendor-03/04/2026
Ready for Review-Document Uploaded. - Seller-03/03/2026
Open-Additional findings may apply
- Due Diligence Vendor-02/27/2026
|
Ready for Review-Document Uploaded. - Seller-03/03/2026
|
Resolved-Received Certification of Trust. - Due Diligence Vendor-03/04/2026
|
CLTV is less than guidelines maximum - Required is 65 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7840860
|
|
|
1015381
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-26 10:19
|
2026-03-04 13:23
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust - Due Diligence Vendor-03/04/2026
Ready for Review-Document Uploaded. Please see uploaded Trust Cert - Seller-03/03/2026
Open-Additional findings may apply - Due Diligence Vendor-02/26/2026
|
Ready for Review-Document Uploaded. Please see uploaded Trust Cert - Seller-03/03/2026
|
Resolved-Received Trust - Due Diligence Vendor-03/04/2026
|
CLTV is less than guidelines maximum - Required is 80 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7822399
|
|
|
1015382
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-26 09:45
|
2026-03-05 14:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Borrower's living rent free - Primary not in their name. REO with 1x30x12 is allowed per guides and Borrowers are NOT First
Time investors/Home Buyers. - Due Diligence Vendor-03/05/2026
Counter-Received mortgage statement that confirms borrower is no mortgage reported late on credit report. Finding remains. - Due
Diligence Vendor-03/04/2026
Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to property profile, showing owner name as XXXX. and per 1003 it
indicates that borrowers had no primary housing expense. Please note that this is a refinance of investment property, and VOR is only required when borrower is renting and are purchasing an investment property.
additional documentation to verify housing payment and history is not required - Seller-03/03/2026
Open-Housing History Does Not Meet Guideline Requirements The credit report reflects a 1x30 mortgage payment in XXXX. Guidelines state
Credit report must reflect 0X30 in last 12 months for all mortgages, both subject and non-subject. Additionally, please provide evidence the primary residence is paid in full. The Property Detail report reflects a loan amount of XXXX.
Additional findings may apply. - Due Diligence Vendor-02/26/2026
|
Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to property profile, showing owner name as Porter Linnie J. and per
1003 it indicates that borrowers had no primary housing expense. Please note that this is a refinance of investment property, and VOR is only required when borrower is renting and are purchasing an investment property.
additional documentation to verify housing payment and history is not required - Seller-03/03/2026
|
Resolved-Borrower's living rent free - Primary not in their name. REO with 1x30x12 is allowed per guides and Borrowers are NOT First
Time investors/Home Buyers. - Due Diligence Vendor-03/05/2026
|
LTV is less than guideline maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7821444
|
|
|
1015383
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-02-26 08:37
|
2026-03-11 14:04
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Waived-Originator provided a waiver to allow 1 x30 late with .05 pricing LLPA, applied to non material finding with comp factors - Due
Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. - Seller-03/09/2026
Counter-Exception for housing event provided, please provide documentation to support the Primary is Free and Clear. - Due Diligence
Vendor-03/05/2026
Ready for Review-Document Uploaded. Please see attached management exception. Thank you. - Seller-03/03/2026
Open-Housing History Does Not Meet Guideline Requirements The credit report reflects a 1x30 mortgage payment in XXXX. Guidelines state
Credit report must reflect 0X30 in last 12 months for all mortgages, both subject and non-subject. Additionally, please provide evidence the primary residence is paid in full. The Property Detail report reflects a loan amount of XXXX.
Additional findings may apply. - Due Diligence Vendor-02/26/2026
|
Ready for Review-Document Uploaded. - Seller-03/09/2026
Ready for Review-Document Uploaded. Please see attached management exception. Thank you. - Seller-03/03/2026
|
Waived-Originator provided a waiver to allow 1 x30 late with .05 pricing LLPA, applied to non material finding with comp factors - Due
Diligence Vendor-03/11/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
CLTV
DSCR
PAYMENT CAUGHT UP
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7820071
|
|
1015384
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1200
|
2026-02-27 20:00
|
2026-03-03 16:02
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited Loan Amount is less than Guideline Minimum Loan Amount
|
Waived-Exception in file for loan amount <$100,000.00 Originator exception granted, waiver applied with comp factors.
- Due Diligence Vendor-02/28/2026
Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $75000 Exception in file for loan amount <$100,000.00 -
Due Diligence Vendor-02/28/2026
|
Waived-Exception in file for loan amount <$100,000.00 Originator exception granted, waiver applied with comp factors.
- Due Diligence Vendor-02/28/2026
|
Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 23.76 months
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7854047
|
|||
|
1015385
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-02-26 13:40
|
2026-03-10 13:22
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received complete, current Trust Cert. - Due Diligence Vendor-03/10/2026
Ready for Review-Document Uploaded. Please see uploaded Trust Cert2. - Seller-03/06/2026
Counter-Received page 1 of Trust Cert. Missing Notary signature as cert requires signatures to be acknowledged. - Due Diligence
Vendor-03/06/2026
Ready for Review-This Certificate of Trust is from XXXX - Seller-03/04/2026
Counter-Received seasoned Trust documents. Missing the Certification of Trust from Attorney or Title. - Due Diligence Vendor-03/04/2026
Ready for Review-Document Uploaded. Uploaded Trust Cert - Seller-03/03/2026
Open-Additional findings may apply - Due Diligence Vendor-02/26/2026
|
Ready for Review-Document Uploaded. Please see uploaded Trust Cert2. - Seller-03/06/2026
Ready for Review-This Certificate of Trust is from XXXX. - Seller-03/04/2026
Ready for Review-Document Uploaded. Uploaded Trust Cert - Seller-03/03/2026
|
Resolved-Received complete, current Trust Cert. - Due Diligence Vendor-03/10/2026
|
CLTV XX.XX% CLTV XX.XX% DTI is below the 49% max.
Qualifying FICO score is at least 20 points above minimum for program - 725 score exceeds 680 minimum.
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7827289
|
|
|
1018644
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM1352
|
2026-02-27 08:37
|
2026-03-12 13:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Resolved-BP Affidavit not required on a HELOC. - Due Diligence Vendor-03/12/2026
Counter-Please confirm that you would like compliance run on this loan since it is not a business purpose loan - Due Diligence
Vendor-03/05/2026
Ready for Review-XXXX: Please note that this this not required since this not a business purpose transaction. - Seller-03/04/2026
Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is not signed - Due Diligence
Vendor-02/27/2026
|
Ready for Review-XXXX: Please note that this this not required since this not a business purpose transaction. - Seller-03/04/2026
|
Resolved-BP Affidavit not required on a HELOC. - Due Diligence Vendor-03/12/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7842659
|
||
|
1018644
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-02-27 10:18
|
2026-03-05 14:21
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Client provided Non Identity Affidavit fully executed - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
Open-Property Title Issue Provide evidence #3,4,5, and 6 have been released or are not associated with the borrower. Additional
findings may apply. - Due Diligence Vendor-02/27/2026
|
Ready for Review-Document Uploaded. - Seller-03/04/2026
|
Resolved-Client provided Non Identity Affidavit fully executed - Due Diligence Vendor-03/05/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7844651
|
|
|
1018645
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1325
|
2026-02-27 11:31
|
2026-03-05 15:55
|
Waived
|
2 - Non-Material
|
D
|
B
|
Credit
|
Missing Doc
|
Borrower 1 CPA Letter Missing
|
Waived-Originator provided a waiver for verified PTIN address and phone number provided, applied to non material finding with comp
factors - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. Please see uploaded exceptions for this condition. - Seller-03/03/2026
Open-Borrower 1 CPA Letter Missing The Tax Preparer letter provided is not complete. Guidelines state A Letter from a Licensed Tax
Preparer (CPA, CTEC, EA, PTIN) with their business letterhead showing the Licensed Tax Preparer’s address, phone number & license number. Additional findings may apply. - Due Diligence Vendor-02/27/2026
|
Ready for Review-Document Uploaded. Please see uploaded exceptions for this condition. - Seller-03/03/2026
|
Waived-Originator provided a waiver for verified PTIN address and phone number provided, applied to non material finding with comp
factors - Due Diligence Vendor-03/05/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
Credit: 0x30 for 45 months
DTI: 5%
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
7846526
|
|
1018646
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1020569
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-02 09:42
|
2026-03-06 14:40
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Cert. - Due Diligence Vendor-03/06/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
Open-Loan vested in a trust. Additional findings may apply - Due Diligence Vendor-03/02/2026
|
Ready for Review-Document Uploaded. - Seller-03/04/2026
|
Resolved-Received Trust Cert. - Due Diligence Vendor-03/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7871142
|
|
|
1020570
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1020571
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1023015
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1023016
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1024865
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1024866
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1124
|
2026-03-03 17:23
|
2026-03-03 17:25
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 1 Final Signature Date is in the future
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings -
Due Diligence Vendor-03/03/2026
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings -
Due Diligence Vendor-03/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
7907834
|
|||
|
1024867
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE6019
|
2026-03-04 07:07
|
2026-03-13 15:05
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Citizenship Documentation Not Provided
|
Resolved-Received the back copy of the EAD card. - Due Diligence Vendor-03/13/2026
Ready for Review-Document Uploaded. - Seller-03/11/2026
Counter-Client provided front copy of EAD card, please provide back of EAD card - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
Open-Borrower Citizenship Documentation Is Missing 1003 shows borrower is a non-perm resident. The file contains an I-797 however audit
is unable to determine the country of origin. - Due Diligence Vendor-03/04/2026
|
Ready for Review-Document Uploaded. - Seller-03/11/2026
Ready for Review-Document Uploaded. - Seller-03/04/2026
|
Resolved-Received the back copy of the EAD card. - Due Diligence Vendor-03/13/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7914030
|
|
|
1024868
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-03-04 10:56
|
2026-03-12 13:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received credit refresh. - Due Diligence Vendor-03/12/2026
Ready for Review-Document Uploaded. - Seller-03/10/2026
Counter-Received confirmation gap report used for current balances. Please provide credit gap report. - Due Diligence
Vendor-03/10/2026
Ready for Review-The liabilities manually added are from the Credit report refresh is dated XXXX and PACE PACE came from Title.
- Seller-03/06/2026
Open-Appears updated credit report is missing from the loan file. The debts listed on 1003 and paid on CD do not match credit report.
Additionally, the credit report is dated XXXX, but the LOE is for inquiries dated XXXX. Additional findings may apply. - Due Diligence Vendor-03/04/2026
|
Ready for Review-Document Uploaded. - Seller-03/10/2026
Ready for Review-The liabilities manually added are from the Credit report refresh is dated XXXX and PACE PACE came from Title.
- Seller-03/06/2026
|
Resolved-Received credit refresh. - Due Diligence Vendor-03/12/2026
|
Verified employment history exceeds guidelines - verified employment of 60 months - required is 24 months
Credit history exceeds minimum required - borrower has 4+ accounts with a 0x30x93 or higher
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7919695
|
|
|
1024868
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-03-03 16:14
|
2026-03-10 13:16
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/10/2026
Ready for Review-Document Uploaded. - Seller-03/09/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence
Vendor-03/03/2026
|
Ready for Review-Document Uploaded. - Seller-03/09/2026
|
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/10/2026
|
Verified employment history exceeds guidelines - verified employment of 60 months - required is 24 months
Credit history exceeds minimum required - borrower has 4+ accounts with a 0x30x93 or higher
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7905658
|
|
|
1024869
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-04 20:19
|
2026-03-09 14:54
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received David and XXXX. - Due Diligence Vendor-03/09/2026
Ready for Review-Document Uploaded. - Seller-03/06/2026
Open-Provide copy of trust. Additional findings may apply. - Due Diligence Vendor-03/05/2026
|
Ready for Review-Document Uploaded. - Seller-03/06/2026
|
Resolved-Received XXXX and XXXX Trust. - Due Diligence Vendor-03/09/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7934198
|
|
|
1024870
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-03-04 12:30
|
2026-03-13 15:56
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Received Short Form Title, Item is not reporting. - Due Diligence Vendor-03/13/2026
Ready for Review-Document Uploaded. - Seller-03/12/2026
Open-Property Title Issue Provide Final Title to show item 4 - the lien for XXXX has been removed from title. Additional findings may
apply. - Due Diligence Vendor-03/04/2026
|
Ready for Review-Document Uploaded. - Seller-03/12/2026
|
Resolved-Received Short Form Title, Item is not reporting. - Due Diligence Vendor-03/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
7923058
|
|
|
1024871
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1035369
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1035370
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1334
|
2026-03-11 16:28
|
2026-03-16 12:45
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Executed 4506-T/4506-C is Missing
|
Resolved-Client provided executed 4506 - Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. Please see uploaded 4506-C - Seller-03/12/2026
Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C in file are not executed. Additional findings may apply. - Due Diligence
Vendor-03/11/2026
|
Ready for Review-Document Uploaded. Please see uploaded 4506-C - Seller-03/12/2026
|
Resolved-Client provided executed 4506 - Due Diligence Vendor-03/16/2026
|
CLTV is less than guidelines maximum - Required is 90 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8055644
|
|
|
1035373
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1035375
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1437
|
2026-03-12 07:50
|
2026-03-24 15:04
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income and Employment Do Not Meet Guidelines
|
Resolved-Received documents. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please disregard the comment below. See uploaded documents today XXXX. 1. Business license:
attached. Page 4 indicates the borrower is listed as XXXX or XXXX of the LLC. Agent can be third party to prepare the document for legal process not necessarily the owner. 2. Borrower has XX.XX
|
Ready for Review-Document Uploaded. Please disregard the comment below. See uploaded documents today XXXX. 1. Business license:
attached. Page 4 indicates the borrower is listed as XXXX or XXXX of the LLC. Agent can be third party to prepare the document for legal process not necessarily the owner. 2. Borrower has XX.XX
|
Resolved-Received documents. - Due Diligence Vendor-03/24/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has 39
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8066827
|
|
|
1035375
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1195
|
2026-03-12 07:26
|
2026-03-16 13:25
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Audited CLTV Exceeds Guideline CLTV
|
Waived-Originator waiver applied to non-material finding with compensating factors- To allow 70% LTV, when guides allow up to 60%. -
Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. Please see uploaded exceptions - Seller-03/12/2026
Open-Audited CLTV of XXX% exceeds Guideline CLTV of 60% Additional findings may apply. - Due Diligence Vendor-03/12/2026
|
Ready for Review-Document Uploaded. Please see uploaded exceptions - Seller-03/12/2026
|
Waived-Originator waiver applied to non-material finding with compensating factors- To allow XXX% LTV, when guides allow up to 60%. -
Due Diligence Vendor-03/16/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has 39
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733
|
FICO is 733, Min allowed is 700
DTI is 39%, max allowed is 49%
Credit profile with no lates or discrepancies
Long work history
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
8066535
|
|
1035375
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-12 06:25
|
2026-03-16 12:37
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Client provided fully executed Trust Agreement - Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. Uploaded Trust Cert - Seller-03/12/2026
Open-Missing Trust agreement, Additional findings may apply. - Due Diligence Vendor-03/12/2026
|
Ready for Review-Document Uploaded. Uploaded Trust Cert - Seller-03/12/2026
|
Resolved-Client provided fully executed Trust Agreement - Due Diligence Vendor-03/16/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has 39
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8065508
|
|
|
1037923
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1116
|
2026-03-11 14:57
|
2026-04-10 14:46
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Security Instrument Date does not equal Note Date
|
Resolved-Received rerecorded DOT - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. - Seller-04/09/2026
Counter-Received rebuttal of Riders dated correctly. Missing Security Instrument dated XXXX - Due Diligence Vendor-03/23/2026
Ready for Review-There was a re-draw on the file and new docs were sent to escrow and title.
If you see the riders, they have the correct note date of XXXX- Seller-03/20/2026
Open-Security Instrument Date does not match the Note Date Note is dated XXXX, DOT is dated XXXX - Due Diligence Vendor-03/11/2026
|
Ready for Review-Document Uploaded. - Seller-04/09/2026
Ready for Review-There was a re-draw on the file and new docs were sent to escrow and title.
If you see the riders, they have the correct note date of 03/03/2026 - Seller-03/20/2026
|
Resolved-Received rerecorded DOT - Due Diligence Vendor-04/10/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8053249
|
|
|
1037924
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-03-12 10:52
|
2026-03-17 14:28
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-The Business Entity Formation Document was provided. - Due Diligence Vendor-03/17/2026
Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-03/13/2026
Open-The Business Entity Formation Document is Missing. - Due Diligence Vendor-03/12/2026
|
Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-03/13/2026
|
Resolved-The Business Entity Formation Document was provided. - Due Diligence Vendor-03/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8071419
|
|
|
1037925
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1043015
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1043016
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1043017
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FPRO1245
|
2026-03-16 11:22
|
2026-05-04 17:11
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Appraisal is Expired
|
Resolved-Client provided updated SSR's both with a rating of 1. Although the signature is now dated XXXX the effective date of appraisal
did not change other than the year - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. See uploaded Revised appraisal, SSRS, HVCC Cert - Seller-03/30/2026
Counter-Revised Appraisal provided. Please provide new secondary valuation with the corrected information reviewed. - Due Diligence
Vendor-03/30/2026
Ready for Review-This has been reviewed and revised by the Appraisal Team. - Seller-03/26/2026
Counter-Received amended appraisal report correcting year to XXXX for effective and signature date. Missing secondary valuation. Both
to be reviewed together. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. Please see uploaded revised appraisal report - Seller-03/24/2026
Counter-Client provided Appraisal for different property and different borrower. Finding remains - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. Please see uploaded Appraisal Report - effect date is XXXX - Seller-03/17/2026
Open-Primary Value Appraisal is Expired The appraisal is dated XXXX. Additional findings may apply. - Due Diligence Vendor-03/16/2026
|
Ready for Review-Document Uploaded. See uploaded Revised appraisal, SSRS, HVCC Cert - Seller-03/30/2026
Ready for Review-This has been reviewed and revised by the Appraisal Team. - Seller-03/26/2026
Ready for Review-Document Uploaded. Please see uploaded revised appraisal report - Seller-03/24/2026
Ready for Review-Document Uploaded. Please see uploaded Appraisal Report - effect date is 02/14/2025 - Seller-03/17/2026
|
Resolved-Client provided updated SSR's both with a rating of 1. Although the signature is now dated XXXX the effective date of appraisal
did not change other than the year - Due Diligence Vendor-04/01/2026
|
LTV is less than guideline maximum - Required is 70 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8128651
|
|
|
1043019
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-16 14:32
|
2026-03-19 13:20
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Client provided Trust Certification - Due Diligence Vendor-03/19/2026
Ready for Review-Document Uploaded. Uploaded Trust Agreement - Seller-03/18/2026
Open-Additional findings may apply. - Due Diligence Vendor-03/16/2026
|
Ready for Review-Document Uploaded. Uploaded Trust Agreement - Seller-03/18/2026
|
Resolved-Client provided Trust Certification - Due Diligence Vendor-03/19/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 33.78 months.
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8133992
|
|
|
1044941
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1044942
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FCRE0200
|
2026-03-17 08:27
|
2026-04-01 16:19
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received corrected 1003. - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. Please see uploaded revised Final 1003. - Seller-03/31/2026
Counter-Review is unable to validate PITIA on 1003. Per originator: First Mortgage - 2,611.24 + Subordinate Lien P&I + 2437.036
HOI - 188.17 + Property Taxes - 1,011.81 = 6,248.25. Final 1003 does not match. Please clarify again. - Due Diligence Vendor-03/27/2026
Ready for Review-Please note the there is an existing loan to XXXX amounting 2611 & for XXXX of 6248.25 + 1,199.98 (please see in CD
uploaded page 1 for the estimated taxes insurance & Assessments) that is why it shows 10,059.23 - Seller-03/25/2026
Counter-Final 1003 received in review reflects -$10,059.23 in total liability for property 3g. Please provide correct final 1003 - Due
Diligence Vendor-03/25/2026
Ready for Review-Yes, It shows 6,248.25 on the current Final 1003 and the monthly payment i already verified. - Seller-03/23/2026
Counter-Received Note and CD for 2nd lien and confirmation of 1st lien pitia. Provide corrected final 1003 as PITIA for new 2nd is
reflecting as $6,248.25 - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Also, uploaded the 1st lien mortgage statement, First Mortgage - 2,611.24 + Subordinate Lien P&I
+ 2437.036 HOI - 188.17 + Property Taxes - 1,011.81 = 6,248.25 - Seller-03/18/2026
Ready for Review-Document Uploaded. Please see uploaded Note & final for Second lien. - Seller-03/18/2026
Open-Provide verification of XXXX second lien payment of $6,248.25/terms for property 3g. Additional findings may apply. - Due
Diligence Vendor-03/17/2026
|
Ready for Review-Document Uploaded. Please see uploaded revised Final 1003. - Seller-03/31/2026
Ready for Review-Please note the there is an existing loan to XXXX amounting XXXX & for XXXX of 6248.25 + 1,199.98 (please see in
CD uploaded page 1 for the estimated taxes insurance & Assessments) that is why it shows 10,059.23 - Seller-03/25/2026
Ready for Review-Yes, It shows 6,248.25 on the current Final 1003 and the monthly payment i already verified. - Seller-03/23/2026
Ready for Review-Document Uploaded. Also, uploaded the 1st lien mortgage statement, First Mortgage - 2,611.24 + Subordinate Lien
P&I + 2437.036 HOI - 188.17 + Property Taxes - 1,011.81 = 6,248.25 - Seller-03/18/2026
Ready for Review-Document Uploaded. Please see uploaded Note & final for Second lien. - Seller-03/18/2026
|
Resolved-Received corrected 1003. - Due Diligence Vendor-04/01/2026
|
Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 49.69 months.
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has
739
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8147296
|
|
|
1044942
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO0025
|
2026-03-17 08:25
|
2026-03-23 11:57
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Property Issue
|
Smoke Detector/Carbon Monoxide detector has issues
|
Resolved-Received revised appraisal with confirmation of smoke detectors installed. - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Re-uploaded the appraisal report - smoke detector already provided pictures installed - see page
42-45. - Seller-03/19/2026
Open-The appraisal states smoke detectors not installed properly. Additional findings may apply. - Due Diligence Vendor-03/17/2026
|
Ready for Review-Document Uploaded. Re-uploaded the appraisal report - smoke detector already provided pictures installed - see page
42-45. - Seller-03/19/2026
|
Resolved-Received revised appraisal with confirmation of smoke detectors installed. - Due Diligence Vendor-03/23/2026
|
Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 49.69 months.
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has
739
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8147269
|
|
|
1044943
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1044944
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1046501
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1046502
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1051570
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1051572
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Closed
|
finding-47
|
2026-03-18 15:35
|
2026-04-01 09:47
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Right to Rescind
|
TILA Right of Rescission Test
|
Resolved-Received a copy of ROR. Finding Resolved. - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. Please see uploaded revised form for ROR. - Seller-03/30/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ),
Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day
following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. --------Unable to test properly at this time, missing ROR, please provide. Additional
findings may apply upon receipt. - Due Diligence Vendor-03/18/2026
|
Ready for Review-Document Uploaded. Please see uploaded revised form for ROR. - Seller-03/30/2026
|
Resolved-Received a copy of ROR. Finding Resolved. - Due Diligence Vendor-04/01/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8193632
|
|
|
1051572
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1262
|
2026-03-18 15:22
|
2026-04-01 09:44
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Right of Rescission is Missing
|
Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. Please see uploaded revised form for ROR. - Seller-03/30/2026
Open-Right of Rescission is Missing ROR is missing - Due Diligence Vendor-03/18/2026
|
Ready for Review-Document Uploaded. Please see uploaded revised form for ROR. - Seller-03/30/2026
|
Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-04/01/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8193167
|
|
|
1053256
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1053257
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1053259
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1054820
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1054821
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0140
|
2026-03-23 15:18
|
2026-03-31 13:11
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
DSCR loan does not meet program guidelines
|
Waived-Originator provided a waiver use of ADU , applied to non material finding with comp factors - Due Diligence Vendor-03/31/2026
Ready for Review-Document Uploaded. - Seller-03/27/2026
Counter-Received lease agreements. Guidelines are silent regarding use of ADU rents and multiple ADUs. Exception noted on lock but not
identified. Finding remains. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Please refer to lease agreement for 3 units total of XXXX, rental income
was calculated using lease agreements
unit A - XXXX
unit B - XXXX
unit C - XXXX - Seller-03/25/2026
Open-The appraisal indicated the property is a one unit with 2 Accessory units. The DSCR calulation is based on income used from 3
leases and 3 1007s. Additional findings may apply. - Due Diligence Vendor-03/23/2026
|
Ready for Review-Document Uploaded. - Seller-03/27/2026
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Please refer to lease agreement for 3 units total of XXXX, rental income
was calculated using lease agreements
unit A - XXXX
unit B - XXXX
unit C - XXXX - Seller-03/25/2026
|
Waived-Originator provided a waiver use of ADU , applied to non material finding with comp factors - Due Diligence Vendor-03/31/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has
733
On time mortgage history exceeds guideline requirement - 0x30x55 On time mortgage history exceeds guideline requirement 0x30x12
|
Pricing LLPA
Credit profile.
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
8271864
|
|
1054821
|
XXXX
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1152
|
2026-03-23 17:27
|
2026-03-26 13:59
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Evidence of Property Tax Missing
|
Resolved-Receive tax bill supporting re taxes considered. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. 03/25 - Rebuttal/Comment: Per Tax Cert
1st + 2nd Installment = / 12
$3,167.17 + $3,167.17 = $6,334.34 / 12 - Seller-03/25/2026
Open-Missing Evidence of Property Tax for $527.99 as used by lender - Due Diligence Vendor-03/23/2026
|
Ready for Review-Document Uploaded. XXXX - Rebuttal/Comment: Per Tax Cert
1st + 2nd Installment = / 12
$3,167.17 + $3,167.17 = $6,334.34 / 12 - Seller-03/25/2026
|
Resolved-Receive tax bill supporting re taxes considered. - Due Diligence Vendor-03/26/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has
733
On time mortgage history exceeds guideline requirement - 0x30x55 On time mortgage history exceeds guideline requirement 0x30x12
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8275074
|
|
|
1054822
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1161
|
2026-03-23 12:16
|
2026-03-26 13:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Flood Certificate Missing
|
Resolved-Received flood cert. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. Please see uploaded Flood Cert - Seller-03/24/2026
Open-Missing Flood Certificate Additional findings may apply - Due Diligence Vendor-03/23/2026
|
Ready for Review-Document Uploaded. Please see uploaded Flood Cert - Seller-03/24/2026
|
Resolved-Received flood cert. - Due Diligence Vendor-03/26/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8267270
|
|
|
1054823
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1054824
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1054825
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-23 09:21
|
2026-04-01 12:45
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Upon further review, Living Trust do not expire,. A revocable living trust lasts until it is either revoked by the creator
(grantor), all assets are distributed, or its purpose is fulfilled. While they can last indefinitely during the grantor's life, they typically terminate after the grantor’s death once assets are distributed. - Due Diligence Vendor-04/01/2026
Ready for Review-XXXX: Trust agreements do not have a universal expiration date. - Seller-03/30/2026
Counter-Received aged Trust Cert dated XXXX. Provide Trust agreement or current Trust Cert. - Due Diligence Vendor-03/25/2026
Ready for Review-Document Uploaded. - Seller-03/24/2026
Open-Additional finding may apply - Due Diligence Vendor-03/23/2026
|
Ready for Review-XXXX: Trust agreements do not have a universal expiration date. - Seller-03/30/2026
Ready for Review-Document Uploaded. - Seller-03/24/2026
|
Resolved-Upon further review, Living Trust do not expire,. A revocable living trust lasts until it is either revoked by the creator
(grantor), all assets are distributed, or its purpose is fulfilled. While they can last indefinitely during the grantor's life, they typically terminate after the grantor’s death once assets are distributed. - Due Diligence Vendor-04/01/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8262960
|
|
|
1056674
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1059135
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FVAL5474
|
2026-03-25 11:17
|
2026-03-25 14:19
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Condo project is ineligible
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. exception approved for non-warrantable condo with comp
factor of long term residence - Due Diligence Vendor-03/25/2026
Open-Per XXXX condo Review the Subject Condo is non warrantable and not permitted per guidelines. The Lock reflects an unspecified
EXCEPTION was made. Additional findings may apply. - Due Diligence Vendor-03/25/2026
|
Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. exception approved for non-warrantable condo with comp
factor of long term residence - Due Diligence Vendor-03/25/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower Reserves 29.64 months
Long term residence - Borrower in subject property > 7 years.
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
8312689
|
|||
|
1059136
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1059137
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1059138
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1059139
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-03-25 14:57
|
2026-04-10 11:39
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Updated loan applications provided with correct housing history provided. Primary owned free and clear for borrower;
co-borrower's property not owned and no primary housing expense. - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. Please see updated Final 1003. Updated the borrower 1 section and borrower 2 to no primary expense.
- Seller-04/09/2026
Counter-Regarding the borrower – please provide an updated 1003 be provided showing the how long the borrower owned it and add the
history prior to that reflecting rent free (no primary housing expense).
Regarding the co-borrower – the loan application reflects this as owned but is not on the loan application REO section. We could not
locate a property report in file, and it is not reflected on the XXXX report.
- Due Diligence Vendor-04/09/2026
Ready for Review-From Client: Borrower can live 17.66 years. They used to live there as Rent or living rent-free and bought the house in
XXXX. Also, payment is not required since mtg bought it as free&clear. - Due Diligence Vendor-04/09/2026
Counter-Loan file contains conflicting primary residence for both borrowers. B1 states he has occupied the subject for 17.66 years,
there is no third party verification in the loan file to support. B2 states he has lived at XXXX and is his current primary, however per LOE and fraud report, that property was sold 3/2024. Please provide correct documentation to support
primary residence in the last 12 months for both borrowers Additional findings may apply. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. Borrower can live 17.66 years. They used to live it as Rent or living rent free and bought the house
in XXXX. Also payment is not required since mtg bought it as free&clear.
- Seller-04/06/2026
Counter-Received Family Trust. Housing history is still required even when paid by third party. Finding remains. - Due Diligence
Vendor-04/06/2026
Ready for Review-Document Uploaded. Please see uploaded trust doc - bwr had ownership at the time of application - Seller-04/03/2026
Counter-No document provided. 12 month Housing History must be documented per guideline. Review of file did not reveal an explanation
for borrower living in property for 17 years, but not purchased until XXXX. Housing history from XXXX also not noted in file. - Due Diligence Vendor-04/02/2026
Ready for Review-Please note that prior purchasing the borrower is not financially responsible and not obligated as the property is not
under the name of the borrower until It is purchased dated XXXX. It shows in property included in loan package. So, it is not needed. Uploaded the property profile kindly check the history record. - Seller-03/31/2026
Counter-No document provided. Lender indicate borrower not financially responsible. Title indicates the borrowers purchased the
subject on XXXX. Please provide verification of housing / payment history prior to purchasing the subject property. Additional findings may apply. - Due Diligence Vendor-03/31/2026
Ready for Review-Note that borrower is note financially responsible to the property since borrower is not the owner as per property
profile prior owning the property. So, It is not needed. - Seller-03/28/2026
Open-Housing History Does Not Meet Guideline Requirements The loan application indicates the borrowers lived at the subject property for
17 years and 8 months. Title indicates the borrowers purchased the subject on XXXX. Please provide verification of housing / payment history prior to purchasing the subject property. Additional findings may apply. - Due Diligence
Vendor-03/25/2026
|
Ready for Review-Document Uploaded. Please see updated Final 1003. Updated the borrower 1 section and borrower 2 to no primary expense.
- Seller-04/09/2026
Ready for Review-Document Uploaded. Borrower can live 17.66 years. They used to live it as Rent or living rent free and bought the
house in XXXX. Also payment is not required since mtg bought it as free&clear.
- Seller-04/06/2026
Ready for Review-Document Uploaded. Please see uploaded trust doc - bwr had ownership at the time of application - Seller-04/03/2026
Ready for Review-Please note that prior purchasing the borrower is not financially responsible and not obligated as the property is not
under the name of the borrower until It is purchased dated XXXX. It shows in property included in loan package. So, it is not needed. Uploaded the property profile kindly check the history record. - Seller-03/31/2026
Ready for Review-Note that borrower is note financially responsible to the property since borrower is not the owner as per property
profile prior owning the property. So, It is not needed. - Seller-03/28/2026
|
Resolved-Updated loan applications provided with correct housing history provided. Primary owned free and clear for borrower;
co-borrower's property not owned and no primary housing expense. - Due Diligence Vendor-04/10/2026
|
LTV is less than guideline maximum - Required is 65 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8318397
|
|
|
1060647
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1060648
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1060649
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1060650
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM1352
|
2026-03-27 08:20
|
2026-03-31 11:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-03/31/2026
Ready for Review-Document Uploaded. - Seller-03/27/2026
Open-The Business Purpose Affidavit Disclosure is Missing Missing completed and fully executed borrower's intent to proceed - Due
Diligence Vendor-03/27/2026
|
Ready for Review-Document Uploaded. - Seller-03/27/2026
|
Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-03/31/2026
|
CLTV is less than guidelines maximum - Required is 80 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8356192
|
|
|
1063124
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FPRO1245
|
2026-03-30 11:35
|
2026-04-01 14:12
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Appraisal is Expired
|
Resolved-Client provided updated 1004D, appraiser has checked that the value has not declined since original appraisal was completed -
Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. - Seller-03/30/2026
Open-Primary Value Appraisal is Expired. The file contains a 1004D but does not indicate if the subject propert has declined since the
effective date of the original appraisal. Additional findings may apply. - Due Diligence Vendor-03/30/2026
|
Ready for Review-Document Uploaded. - Seller-03/30/2026
|
Resolved-Client provided updated 1004D, appraiser has checked that the value has not declined since original appraisal was completed -
Due Diligence Vendor-04/01/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8385681
|
|
|
1063125
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1063126
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1063127
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1063128
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1063129
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1065115
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-03-31 06:41
|
2026-04-03 16:06
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received Deed of Trust with Legal Description - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded Deed of Trust with Legal Description - Seller-04/01/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. Additional
findings may apply. - Due Diligence Vendor-03/31/2026
|
Ready for Review-Document Uploaded. Uploaded Deed of Trust with Legal Description - Seller-04/01/2026
|
Resolved-Received Deed of Trust with Legal Description - Due Diligence Vendor-04/03/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8400772
|
|
|
1065116
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0200
|
2026-03-31 11:20
|
2026-04-16 13:18
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
Missing proof of liability not disclosed on credit report
|
Resolved-Received confirmation of no HOA for XXXX - Due Diligence Vendor-04/16/2026
Ready for Review-3c XXXX is SFR based on property profile page 111. So, there is no HOA. Title included page 126 shows SFR. Tax and
Insurance on final 1003 $XXXX matched with documents provided. Property taxes based on title page 123 ($XXXX) + Hazard page 119 ($XXXX) = $XXXX.
3d XXXX, property profile page 91 shows this is SFR. Taxes and Insurance $1,176.84 computation on final 1003 matched with documents
included on loan package. Property tax based on tax bill page 108 is $875.76 + hazard on page 109 is $301.08 = $1,176.84.
- Seller-04/15/2026
Counter- Missing HOA documentation or confirmation of no HOA for other property 3c XXXX - Due Diligence Vendor-04/15/2026
Ready for Review-Document Uploaded. Please see page 20 on the uploaded Appraisal - CDA for the HOA in XXXX. For the XXXX, verified there
is no HOA included in listings. - Seller-04/13/2026
Counter-Received clarification for XXXX, missing HOA document or LOX from borrower regarding if other property 3c and 3d have them - Due
Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. XXXX has the HOA XXXX and as per verification this was updated based on the appraisal showing
monthly HOA. for san lorenzo only the tax and HOI (already provided). uploaded appraisal for XXXX - Seller-04/09/2026
Counter-3C-VOM for XXXX states T&I are included yet the payment is the same as P&I, provided clarification. LOX for HOA on all
properties or provide documentation for HOA - Due Diligence Vendor-04/09/2026
Ready for Review-Document Uploaded. Please see uploaded updated final 1003, Property profile for 3.b, VOM for 3.c and property profile
for 3. See calculation below.
3.b XXXX - XXXX + XXXX
MTG - XXXX
TAX - XXXX / 12 = XXXX
HOI - XXXX / 12 = XXXX
Association dues - XXXX
TAXES / HOI - XXXX
3.C XXXX
HOI Taxes XXXX
Property Tax - XXXX / 12 = XXXX
HOI - XXXX / 12 = XXXX
-------------
XXXX
- Seller-04/07/2026
Counter-Received Note and statement for XXXX and CD for XXXX. CD did not confirm HOI nor HOA for 3b. Missing PITIA for 3c - Due
Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. Please see uploaded Final CD, Note & Mortgage Statement for 3.b and 3.c - Seller-04/02/2026
Open-Provide verification of LENDER terms and payments for 3b and 3c. Additional findings may apply. - Due Diligence Vendor-03/31/2026
|
Ready for Review-3c XXXX is SFR based on property profile page 111. So, there is no HOA. Title included page 126 shows SFR. Tax and
Insurance on final 1003 $XXXX matched with documents provided. Property taxes based on title page 123 ($XXXX) + Hazard page 119 ($XXXX) = $XXXX.
3d XXXXr, property profile page 91 shows this is SFR. Taxes and Insurance $XXXX computation on final 1003 matched with documents
included on loan package. Property tax based on tax bill page 108 is $XXXX + hazard on page 109 is $XXXX = $XXXX.
- Seller-04/15/2026
Ready for Review-Document Uploaded. Please see page 20 on the uploaded Appraisal - CDA for the HOA in XXXX. For the XXXX, verified
there is no HOA included in listings. - Seller-04/13/2026
Ready for Review-Document Uploaded. XXXX has the HOA 294 and as per verification this was updated based on the appraisal showing
monthly HOA. for XXXX only the tax and HOI (already provided). uploaded appraisal for XXXX - Seller-04/09/2026
Ready for Review-Document Uploaded. Please see uploaded updated final 1003, Property profile for 3.b, VOM for 3.c and property profile
for 3. See calculation below.
3.b XXXX - XXXX + XXXX
MTG - XXXX
TAX - XXXX / 12 = XXXX
HOI - XXXX / 12 = XXXX
Association dues - XXXX
TAXES / HOI - XXXX
3.C XXXX
HOI Taxes XXXX
Property Tax - XXXX / 12 = XXXX
HOI - XXXX / 12 = XXXX
-------------
XXXX
- Seller-04/07/2026
Ready for Review-Document Uploaded. Please see uploaded Final CD, Note & Mortgage Statement for 3.b and 3.c - Seller-04/02/2026
|
Resolved-Received confirmation of no HOA for XXXX and XXXX - Due Diligence Vendor-04/16/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8406287
|
|
|
1065116
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-31 09:38
|
2026-04-06 11:15
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Certification - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. Please see uploaded trust cert - Seller-04/02/2026
Open-Additional findings may apply - Due Diligence Vendor-03/31/2026
|
Ready for Review-Document Uploaded. Please see uploaded trust cert - Seller-04/02/2026
|
Resolved-Received Trust Certification - Due Diligence Vendor-04/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8403185
|
|
|
1065117
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-31 08:03
|
2026-04-03 14:07
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Trust certificate provided. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded Trust Certificate - Seller-04/01/2026
Open-Additional findings may apply. - Due Diligence Vendor-03/31/2026
|
Ready for Review-Document Uploaded. Uploaded Trust Certificate - Seller-04/01/2026
|
Resolved-Trust certificate provided. - Due Diligence Vendor-04/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8401566
|
|
|
1067405
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1148
|
2026-04-01 10:14
|
2026-05-01 11:43
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Title Coverage is Less than Subject Lien(s) Total
|
Resolved-Received updated Title Commitment with sufficient title coverage - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. - Seller-04/29/2026
Counter-Received Lender rebuttal referencing HOI coverage. Finding is referencing Title Coverage. - Due Diligence Vendor-04/20/2026
Ready for Review-MD XXXX: Please see HOI on pag 410 of loan package, coverage is $599,100 which covers are loan amount of $300,000. -
Seller-04/16/2026
Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Provide Title Supplement showing Title coverage of
$300,000. - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. - Seller-04/29/2026
Ready for Review-MD XXXX: Please see HOI on pag 410 of loan package, coverage is $599,100 which covers are loan amount of XXXX. -
Seller-04/16/2026
|
Resolved-Received updated Title Commitment with sufficient title coverage - Due Diligence Vendor-05/01/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8427475
|
|
|
1067406
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1067407
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1067408
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1325
|
2026-04-01 10:33
|
2026-04-03 16:11
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 CPA Letter Missing
|
Resolved-Borrower 1 CPA license validation provided. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. - Seller-04/01/2026
Ready for Review-Document Uploaded. Uploaded CPA Letter and Tax Preparer Letter - Seller-04/01/2026
Open-Borrower 1 CPA Letter Missing Guidelines state current/active state CPA license number as verified by license or screenshot from
state licensing authority. CPA license verification not provided. - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. - Seller-04/01/2026
Ready for Review-Document Uploaded. Uploaded CPA Letter and Tax Preparer Letter - Seller-04/01/2026
|
Resolved-Borrower 1 CPA license validation provided. - Due Diligence Vendor-04/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8428074
|
|
|
1067408
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4805
|
2026-04-01 11:18
|
2026-04-03 12:41
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Trust/POA Does Not Meet Guideline Requirements
|
Resolved-Received Trust Cert. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded Trust Certificate - Seller-04/01/2026
Open-Trust/POA Does Not Meet Guideline Requirements Trust documentation not provided - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Uploaded Trust Certificate - Seller-04/01/2026
|
Resolved-Received Trust Cert. - Due Diligence Vendor-04/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8429639
|
|
|
1067408
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-04-01 11:14
|
2026-04-03 11:48
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received Tax bill for subject with confirmation the HOI is paid, also received LOX from borrower stating REO 3c is free and
clear and do not have homeowners insurance for this property. ( there is no change in calc income/dti) - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Kindly see uploaded HOI and HOA Bill - Seller-04/01/2026
Open-REO 3c - HOA and HOI if applicable not provided - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Kindly see uploaded HOI and HOA Bill - Seller-04/01/2026
|
Resolved-Received Tax bill for subject with confirmation the HOI is paid, also received LOX from borrower stating REO 3c is free and
clear and do not have homeowners insurance for this property. ( there is no change in calc income/dti) - Due Diligence Vendor-04/03/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8429567
|
|
|
1067409
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-03-31 14:11
|
2026-04-20 11:53
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Agreement. - Due Diligence Vendor-04/20/2026
Ready for Review-Document Uploaded. - Seller-04/16/2026
Open-Additional findings may apply - Due Diligence Vendor-03/31/2026
|
Ready for Review-Document Uploaded. - Seller-04/16/2026
|
Resolved-Received Trust Agreement. - Due Diligence Vendor-04/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8411289
|
|
|
1070394
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FCRE0201
|
2026-04-01 14:29
|
2026-04-13 12:55
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Senior Lien Doc Indicator Missing
|
Resolved-Reviewed DOT and Mortgage statement in order to complete the information required - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Could you please confirm the reason for note? if its for terms is the reason - It is already in
credit report 360. Uploaded the credit report see page 2 Subject XXXX. - Seller-04/09/2026
Counter-Finding remains. Received Mortgage statement and Mortgage. Initial finding is requesting Original 1st Lien Note for terms of
Mortgage - Due Diligence Vendor-04/09/2026
Ready for Review-Document Uploaded. Please see uploaded the DOT if that would be sufficient to clear the condition. - Seller-04/07/2026
Counter-Received Mortgage statement. Missing 1st Lien Note to document terms. Finding remains - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. First is from another lender. Uploaded the mortgage statement for the first lien. -
Seller-04/03/2026
Open-Senior Lien Doc Indicator Missing. Missing 1st Lien Note. - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Could you please confirm the reason for note? if its for terms is the reason - It is already in
credit report 360. Uploaded the credit report see page 2 Subject XXXX. - Seller-04/09/2026
Ready for Review-Document Uploaded. Please see uploaded the DOT if that would be sufficient to clear the condition. -
Seller-04/07/2026
Ready for Review-Document Uploaded. First is from another lender. Uploaded the mortgage statement for the first lien. -
Seller-04/03/2026
|
Resolved-Reviewed DOT and Mortgage statement in order to complete the information required - Due Diligence Vendor-04/13/2026
|
LTV XX.XX% LTV is below max of 60%.
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 725 min score 700. Required is 700 Borrower has
725
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8435880
|
|
|
1070394
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Closed
|
FPRO1257
|
2026-04-01 14:37
|
2026-04-07 11:48
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary,
or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Uploaded CDA and SSRs - Seller-04/03/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation always
required. only 1004 full appraisal provided. - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Uploaded CDA and SSRs - Seller-04/03/2026
|
Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary,
or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-04/07/2026
|
LTV XX.XX% LTV is below max of 60%.
Qualifying FICO score is at least 20 points above minimum for program - qualifying score 725 min score 700. Required is 700 Borrower has
725
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8436052
|
|
|
1070395
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1070396
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCOM9702
|
2026-04-01 19:54
|
2026-04-13 13:23
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Property 3: Other Property Insurance Policy Missing or Incomplete
|
Resolved-Upon further review, borrower is on title only - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Per property profile under history XXXX and mortgage statement under different names.
Mortgage is not reflecting on credit report.
- Seller-04/09/2026
Counter-Per final 1003, XXXX is listed as owned and Investment. Provide VOM or 12 months mortgage statements - Due Diligence
Vendor-04/09/2026
Ready for Review-as per property profile history record #2, the seller are the borrowers year XXXX. for the 3rd party payment is not
required. - Seller-04/08/2026
Counter-Received Property profile and Mortgage statement dated XXXX. Provide 12 months proof of third party making payment to exclude.
- Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Uploaded the property profile along with the mortgage statement - Seller-04/03/2026
Open-Provide evidence that mortgage at XXXX is being paid by third party. - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Per property profile under history XXXX and mortgage statement under different names.
Mortgage is not reflecting on credit report.
- Seller-04/09/2026
Ready for Review-as per property profile history record #2, the seller are the borrowers year XXXX. for the 3rd party payment is not
required. - Seller-04/08/2026
Ready for Review-Document Uploaded. Uploaded the property profile along with the mortgage statement - Seller-04/03/2026
|
Resolved-Upon further review, borrower is on title only - Due Diligence Vendor-04/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8441540
|
|
|
1070396
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1255
|
2026-04-01 19:50
|
2026-04-13 13:22
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Other Property Insurance Policy Missing
|
Resolved-Upon further review, borrower is on title only - Due Diligence Vendor-04/13/2026
Ready for Review-Document Uploaded. Per property profile under history Ramde Dinesh and mortgage statement under different names.
Mortgage is not reflecting on credit report.
- Seller-04/09/2026
Ready for Review-Yes, as per property profile (XXXX), the borrowers are the owners. HOI and mortgage statement verification has been
provided - Seller-04/09/2026
Counter-Upon further review, final 1003 reflects XXXX as owned and Investment. Finding remains - Due Diligence Vendor-04/09/2026
Ready for Review-Document Uploaded. see uploaded today for XXXX page 11-14 for the HOI. - Seller-04/07/2026
Counter-Received property profile, mortgage statement and HOI IAO 7238.45/603.20m, for XXXX and Property profile and mortgage statement
for XXXX that did not disclose the requested HOI. Finding remains. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Please see uploaded Property profile along with the HOI for XXXX. For XXXX, property profile and
mortgage statement is uploaded - Seller-04/03/2026
Open-Provide homeowner's insurance policies for XXXX - Due Diligence Vendor-04/01/2026
|
Ready for Review-Document Uploaded. Per property profile under history XXXX and mortgage statement under different names.
Mortgage is not reflecting on credit report.
- Seller-04/09/2026
Ready for Review-Yes, as per property profile (XXXX), the borrowers are the owners. HOI and mortgage statement verification has been
provided - Seller-04/09/2026
Ready for Review-Document Uploaded. see uploaded today for XXXX page 11-14 for the HOI. - Seller-04/07/2026
Ready for Review-Document Uploaded. Please see uploaded Property profile along with the HOI for XXXX. For XXXX, property profile and
mortgage statement is uploaded - Seller-04/03/2026
|
Resolved-Upon further review, borrower is on title only - Due Diligence Vendor-04/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8441525
|
|
|
1070396
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0137
|
2026-04-01 19:55
|
2026-04-09 14:01
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Subject property is listed for sale
|
Resolved-Upon further review, listing terminated XXXX which is prior to application date - Due Diligence Vendor-04/09/2026
Ready for Review-The application date is XXXX, and the listing expired XXXX which is prior to application date. - Seller-04/07/2026
Counter-Received listing termination dated XXXX after credit dated XXXX and 1003 in file dated XXXX. Guideline require termination
prior to application. Finding remains. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Property listed within 12 months and was expired XXXX - please see uploaded listing expired -
Seller-04/03/2026
Open-Appraiser states property listed for sale as of XXXX. Need to confirm listing was removed prior to application date. - Due
Diligence Vendor-04/01/2026
|
Ready for Review-The application date is XXXX, and the listing expired XXXX which is prior to application date. - Seller-04/07/2026
Ready for Review-Document Uploaded. Property listed within 12 months and was expired XXXX - please see uploaded listing expired -
Seller-04/03/2026
|
Resolved-Upon further review, listing terminated XXXX which is prior to application date - Due Diligence Vendor-04/09/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8441654
|
|
|
1072067
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1072068
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1072069
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5774
|
2026-04-02 15:28
|
2026-04-15 15:21
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Borrower 1 Credit Report is Incomplete
|
Resolved-Received credit refresh and final 1003. Balances taken from refresh. - Due Diligence Vendor-04/15/2026
Ready for Review-Document Uploaded. See uploaded credit report - change in debt. other debts in credit report has been zeroed. If there
are any mismatched on your end, could you please provide what are those based on the credit report? All the liabilities in 1003 has been reported in credit report - Seller-04/13/2026
Counter-Credit report dated XXXX debts do not match final 1003. Provide Credit report used to document 1003 if dated after XXXX to
document debt. - Due Diligence Vendor-04/10/2026
Ready for Review-Credit report dated XXXX debts do not match final 1003, several accounts have different payment amounts which are lower
on the final 1003 - Due Diligence Vendor-04/09/2026
Ready for Review-Could you please provide what are the details that are not consistent with the credit report? - Seller-04/07/2026
Counter-Received credit supplement updating only mortgage and duplicate 1003 reflecting debt not consistent with credit report dated
XXXX provided with initial package. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Please see uploaded credit supplement and revised 1003
- Seller-04/04/2026
Open-Borrower 1 Credit Report is Partially Present. The liabilities listed on the Final 1003 and Credit Report are not consistent.
Provide updated credit report or credit supplement to match Final 1003. Additional findings may apply. - Due Diligence Vendor-04/02/2026
|
Ready for Review-Document Uploaded. See uploaded credit report - change in debt. other debts in credit report has been zeroed. If there
are any mismatched on your end, could you please provide what are those based on the credit report? All the liabilities in 1003 has been reported in credit report - Seller-04/13/2026
Ready for Review-Could you please provide what are the details that are not consistent with the credit report? - Seller-04/07/2026
Ready for Review-Document Uploaded. Please see uploaded credit supplement and revised 1003
- Seller-04/04/2026
|
Resolved-Received credit refresh and final 1003. Balances taken from refresh. - Due Diligence Vendor-04/15/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8460968
|
|
|
1072070
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-04-06 17:56
|
2026-04-10 12:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-The Data Verify Drive report reflects the borrower is not responsible for this property. - Due Diligence Vendor-04/10/2026
Counter-Per 1003, primary residence is owned and marked no primary housing expense. Provide documentation this property is owned F&C
as well as provide Taxes, Ins and HOA (LOX is no HOA on property) - Due Diligence Vendor-04/09/2026
Ready for Review-Please be advised rent free letter is not required for this loan program. - Seller-04/07/2026
Open-Missing for primary residence - Due Diligence Vendor-04/06/2026
|
Ready for Review-Please be advised rent free letter is not required for this loan program. - Seller-04/07/2026
|
Resolved-The XXXX report reflects the borrower is not responsible for this property. - Due Diligence Vendor-04/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8511788
|
||
|
1072070
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-04-03 13:45
|
2026-04-10 12:01
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-The Data Verify Drive report reflects the borrower is not responsible for this property. - Due Diligence Vendor-04/10/2026
Counter-Finding remains. Missing verification/documentation that primary residence is owned F&C. Not requesting Rent free letter -
Due Diligence Vendor-04/09/2026
Ready for Review-Please be advised rent free letter is not required for this loan program. - Seller-04/07/2026
Open-Housing History Does Not Meet Guideline Requirements Missing verification that primary residence is owned free and clear - Due
Diligence Vendor-04/03/2026
|
Ready for Review-Please be advised rent free letter is not required for this loan program. - Seller-04/07/2026
|
Resolved-The XXXX report reflects the borrower is not responsible for this property. - Due Diligence Vendor-04/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8479425
|
||
|
1072071
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1072072
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-04-02 16:55
|
2026-04-07 12:12
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-Received EIN that confirm borrower as XXXX. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Uploaded LLC - Seller-04/03/2026
Open-The Business Entity Formation Document is Missing. Provide Operating Agreement to show the Borrower has XX.XX
|
Ready for Review-Document Uploaded. Uploaded LLC - Seller-04/03/2026
|
Resolved-Received EIN that confirm borrower as XXXX. - Due Diligence Vendor-04/07/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower reserves 46.83 months
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8462796
|
|
|
1074508
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-04-03 11:23
|
2026-04-15 15:02
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received complete security instrument inclusive of adjustable rate rider. - Due Diligence Vendor-04/15/2026
Ready for Review-Document Uploaded. Please see attached copy of the recorded deed of trust. Thank you. - Seller-04/14/2026
Counter-Received Adjustable Rate Rider. Please provide recorded chain to confirm rider recorded with DOT. - Due Diligence
Vendor-04/10/2026
Ready for Review-Document Uploaded. - Seller-04/08/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Adjustable Rate Rider missing from file.
- Due Diligence Vendor-04/03/2026
|
Ready for Review-Document Uploaded. Please see attached copy of the recorded deed of trust. Thank you. - Seller-04/14/2026
Ready for Review-Document Uploaded. - Seller-04/08/2026
|
Resolved-Received complete security instrument inclusive of adjustable rate rider. - Due Diligence Vendor-04/15/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8476429
|
|
|
1074508
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9580
|
2026-04-07 10:47
|
2026-04-10 14:31
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Bankruptcy History does not meet guidelines
|
Resolved-Received lender BK verification. - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. Please see attached copy of the bankruptcy case verification. Thank you. - Seller-04/08/2026
Open-The final loan application indicates a Chapter 7 bankruptcy within the past 7 years. Additionally, the Fraud Report indicates a
Chapter 11 bankruptcy filed XXXX with no discharge date listed. Please provide verification there are no active bankruptcies within 3 years from discharged / dismissed date to the Note date of the new loan per guidelines. Additional findings
may apply. - Due Diligence Vendor-04/07/2026
|
Ready for Review-Document Uploaded. Please see attached copy of the bankruptcy case verification. Thank you. - Seller-04/08/2026
|
Resolved-Received lender BK verification. - Due Diligence Vendor-04/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8524454
|
|
|
1074511
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8701
|
2026-04-03 10:11
|
2026-04-08 10:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Business Entity Formation Document is Missing
|
Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. Uploaded LLC Operating Agreement - Seller-04/06/2026
Open-The Business Entity Formation Document is Missing. The Business Entity Formation Document is Missing for vesting. Title vesting
may be in a Limited Liability Company (LLC) as long as the borrower(s) have 100% ownership interest and it is documented by the organization documentation. Additional findings may apply. - Due Diligence Vendor-04/03/2026
|
Ready for Review-Document Uploaded. Uploaded LLC Operating Agreement - Seller-04/06/2026
|
Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/08/2026
|
Qualifying DTI below maximum allowed - Required is 49 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8474099
|
|
|
1076112
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1082641
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1082642
|
XXXX
|
XXXX
|
XXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1124
|
2026-04-08 15:31
|
2026-04-08 15:56
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 1 Final Signature Date is in the future
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX ----- Originator waiver applied to non-material
Findings. - Due Diligence Vendor-04/08/2026
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX ----- Originator waiver applied to non-material
Findings. - Due Diligence Vendor-04/08/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
No
|
8556182
|
|||
|
1084083
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1084084
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1084085
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1084086
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1510
|
2026-04-10 14:17
|
2026-04-14 11:08
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Issues exist on the Mortgage Document (Deed of Trust)
|
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-04/14/2026
Ready for Review-Document Uploaded. Uploaded DOT with Legal Description - Seller-04/13/2026
Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence
Vendor-04/10/2026
|
Ready for Review-Document Uploaded. Uploaded DOT with Legal Description - Seller-04/13/2026
|
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-04/14/2026
|
Qualifying DTI below maximum allowed - Required is 45 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8600647
|
|
|
1084087
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-04-10 12:52
|
2026-04-15 15:24
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust. - Due Diligence Vendor-04/15/2026
Ready for Review-Document Uploaded. Please see uploaded Trust Cert - Seller-04/13/2026
Open-Missing Trust Agreement. Additional findings may apply. - Due Diligence Vendor-04/10/2026
|
Ready for Review-Document Uploaded. Please see uploaded Trust Cert - Seller-04/13/2026
|
Resolved-Received Trust. - Due Diligence Vendor-04/15/2026
|
CLTV is less than guidelines maximum - Required is 75 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8598831
|
|
|
1084089
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1085659
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1085660
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1089090
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1093559
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1093561
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1265
|
2026-04-16 06:57
|
2026-04-22 07:48
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Right to Rescind
|
Non-Borrower Title Holder Did Not Receive Right of Rescission Form
|
Resolved-Received copy of ROR signed by borrower 2. Finding Resolved. - Due Diligence Vendor-04/22/2026
Ready for Review-Document Uploaded. - Seller-04/21/2026
Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Please provide evidence of Borrower 2 receiving ROR - Due
Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. - Seller-04/21/2026
|
Resolved-Received copy of ROR signed by borrower 2. Finding Resolved. - Due Diligence Vendor-04/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8701333
|
|
|
1093561
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1233
|
2026-04-16 09:19
|
2026-04-22 07:47
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
The Final 1003 is Incomplete
|
Resolved-Received final 1003 for borrower 2. Finding Resolved. - Due Diligence Vendor-04/22/2026
Ready for Review-Document Uploaded. - Seller-04/21/2026
Open-The Final 1003 is Incomplete B2 final 1003 missing. Additional findings may apply. - Due Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. - Seller-04/21/2026
|
Resolved-Received final 1003 for borrower 2. Finding Resolved. - Due Diligence Vendor-04/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8703632
|
|
|
1093561
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1339
|
2026-04-16 14:29
|
2026-04-21 12:02
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Personal Bank Statements Missing
|
Resolved-Received XXXX statement. Deposits match worksheet. - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. - Seller-04/18/2026
Open-Borrower 1 Personal Bank Statements Missing Please provide the XXXX acct XXXX bank statement listed on the Qualified Income
Calculation Worksheet as it was not located in the loan file. Additional findings may apply. - Due Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. - Seller-04/18/2026
|
Resolved-Received XXXX statement. Deposits match worksheet. - Due Diligence Vendor-04/21/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8712554
|
|
|
1093561
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-04-16 12:13
|
2026-04-21 12:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-File contains recent mortgage statement that includes PITI. Tax return for property that is leased reflect 0.00 HOA dues.
Payment calculated from tax returns - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. - Seller-04/18/2026
Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. B2 1003 property 3a. Additional findings may
apply. - Due Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. - Seller-04/18/2026
|
Resolved-File contains recent mortgage statement that includes PITI. Tax return for property that is leased reflect 0.00 HOA dues.
Payment calculated from tax returns - Due Diligence Vendor-04/21/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8709400
|
|
|
1093561
|
XXXX
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE9814
|
2026-04-16 09:21
|
2026-04-21 11:49
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Trust Agreement
|
Resolved-Received Trust Certificates for each borrower fully executed - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. - Seller-04/18/2026
Open-Missing Trust Agreements for both trusts listed on Note. Additional findings may apply. - Due Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. - Seller-04/18/2026
|
Resolved-Received Trust Certificates for each borrower fully executed - Due Diligence Vendor-04/21/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has XX.XX
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8703738
|
|
|
1093562
|
XXXX
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1193
|
2026-04-16 15:50
|
2026-04-21 12:41
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Resolved-Upon further review of GL and XXXX, removed authorized user accounts. Received Credit Supplement confirming those accounts have
been removed - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. Please note that per underwriter: credit supplement that we provided is reflecting accounts being
removed from credit report as borrower is only an authorized user. - Seller-04/20/2026
Open-Audited DTI of 53.76% exceeds Guideline DTI of 49% Per credit report, lender did not include 2x authorized user accounts (XXXX
@$624 per month and XXXX XXXX @$319 per month) into the borrower's debt calculation, noting that the borrower is not financially responsible. However, documentation showing the borrower was not responsible for the payments and the primary
account holder has made all payments was not provided. Audit recalculated the consumer debt to include the authorized accounts, totaling $3,300 per month, which resulted in a DTI ratio of 53.76%. - Due Diligence Vendor-04/16/2026
|
Ready for Review-Document Uploaded. Please note that per underwriter: credit supplement that we provided is reflecting accounts being
removed from credit report as borrower is only an authorized user. - Seller-04/20/2026
|
Resolved-Upon further review of GL and XXXX, removed authorized user accounts. Received Credit Supplement confirming those accounts have
been removed - Due Diligence Vendor-04/21/2026
|
Months Reserves exceed minimum required - Reserves not required / Borrower Reserves 58.95 months
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
N/A
|
N/A
|
8715145
|
|
|
1099037
|
XXXX
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1232
|
2026-04-17 09:02
|
2026-04-21 13:38
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Calculated DSCR does not meet the Minimum DSCR allowed
|
Waived-Originator provided a waiver for DSCR below 1, applied to non material finding with comp factors - Due Diligence
Vendor-04/21/2026
Ready for Review-Document Uploaded. Please note that we have a management exception:
DSCR 0.88
Max CLTV 65
1.00 price adjustment
Excellent credit , Low CLTV - Seller-04/20/2026
Open-The Calculated DSCR of '0.870' is less than the minimum DSCR per lender guidelines of '1'. Additional findings may apply. - Due
Diligence Vendor-04/17/2026
|
Ready for Review-Document Uploaded. Please note that we have a management exception:
DSCR 0.88
Max CLTV 65
1.00 price adjustment
Excellent credit , Low CLTV - Seller-04/20/2026
|
Waived-Originator provided a waiver for DSCR below 1, applied to non material finding with comp factors - Due Diligence
Vendor-04/21/2026
|
CLTV is less than guidelines maximum - Required is 70 Borrower has 65
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787
|
Excellent Credit
Low CLTV
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
Originator Post-Close
|
Yes
|
8732612
|
|
1101083
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
||||||||||||||||||
|
1102893
|
XXXX
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|