MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.2 - Schedule 1
Exception Grades
Run Date - 6/17/2026 2:00:07 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [Redact] | 9499045 | [Redact] | [Redact] | 34396805 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9499045 | [Redact] | [Redact] | 34691707 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 10/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9610723 | [Redact] | [Redact] | 34542061 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2025-11-04): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
11/06/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9610723 | [Redact] | [Redact] | 34837166 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Miscellaneous Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Miscellaneous Miscellaneous |
Client elects to waive with compensating factors: LTV [Redacted]% where [Redacted]% is maximum. Client elects to waive with compensating factors: Mortgage payment history: [Redacted] years timely payments including managing multiple mortgages Client elects to waive with compensating factors: Property management experience: Subject owned since [Redacted] |
Originator Pre-Close,Aggregator [Redact] Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator |
Reviewer Comment (2026-02-19): Client elects to waive with compensating factors: Mortgage payment history: [Redacted] years timely payments including managing multiple mortgages, Property management experience: Subject owned since [Redacted] and LTV [Redacted]% where [Redacted]% is maximum. Seller Comment (2026-02-17): Please see attached claims letter from [Redacted] to [Redacted]. One claim on the policy from [Redacted]. Seller Comment (2026-02-17): claims letter Reviewer Comment (2026-02-04): Elevated to the client for review. HOI coverage in effect at closing was insufficient. Borrower obtained updated policy with sufficient coverage; however the coverage is required to be sufficient at or prior to closing. Seller provided a letter from the insurance company verifying no claims have been filed from the creation of the new policy. Seller Comment (2026-02-04): Please see attached no claims letter showing there were no claims prior to the new policy. Reviewer Comment (2026-01-07): Verifying sufficient coverage at or prior to closing is the only documentation that will clear the condition. Condition is valid and remains open Seller Comment (2026-01-07): Please verify what you will accept to clear this one. Reviewer Comment (2026-01-06): Updated policy provided verifying sufficient coverage; however the condition remains open as there was not sufficient coverage verified at or prior to closing. Seller Comment (2026-01-06): Please see attached policy. Reviewer Comment (2025-11-06): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2025-11-04): Please see attached processor cert. |
02/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 34727559 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116757 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116758 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116759 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116760 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116761 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116762 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide. Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36116763 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-24): Client elected to waive the condition on the Non-QM 1st lien |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36118592 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 9804815 | [Redact] | [Redact] | 36118593 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 9807839 | [Redact] | [Redact] | 34746644 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian |
11/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9807839 | [Redact] | [Redact] | 34946337 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 11/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9807839 | [Redact] | [Redact] | 34946361 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 11/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9809642 | [Redact] | [Redact] | 34772400 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2025-11-11): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
11/12/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9809642 | [Redact] | [Redact] | 34946625 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 11/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9809642 | [Redact] | [Redact] | 34946626 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 11/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9809642 | [Redact] | [Redact] | 34948172 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | Per the guidelines, [Redacted]% Interested party concessions are allowed; however the IPC's are [Redacted]%. The final CD verified $[Redacted] in seller concessions and a realtor credit of $[Redacted]. | Reviewer Comment (2026-03-04): Confirmation from the Real Estate Company confirmed the realtor credit provided was in lieu of the commission and is not considered an Interested Party Concession. Seller Comment (2026-03-03): LOE Reviewer Comment (2025-12-22): Required letter from the broker of the realtor company confirming guarantor is receiving relator credit for funds to close. Exception Remains. Seller Comment (2025-12-19): With the purchase contract reflecting the borrower as the agent and the credit on the final CD reflecting realtor credit is that not sufficient? Or are they asking for a letter from the broker of the realtor company? Reviewer Comment (2025-12-17): Lender rebuttal reviewed. The realtor credit can be excluded from the IPC's with documentation from the realty company confirming the guarantor is receiving the realtor credit for funds to close/closing costs. Condition remains Seller Comment (2025-12-17): alta and loe Reviewer Comment (2025-12-16): Updated comments: The guarantor is a realtor and was the agent on the loan. The realtor credit can be excluded from the IPC's with documentation from the realty company confirming the guarantor is receiving the realtor credit for funds to close/closing costs. Reviewer Comment (2025-12-15): A principal reduction will not clear the condition. The only viable cure for the excessive IPC's is to reduce the sales price by the amount greater than the guideline requirement. For this loan, reducing the sales price by the $[Redacted] excessive IPC's would result in an LTV/CLTV > [Redacted]%, the guideline max and additional conditions will apply. Condition remains open Seller Comment (2025-12-11): Will you accept a PR or a check cure to the borrower? Reviewer Comment (2025-12-11): An acceptable cure for the excessive IPC's is to reduce the sales price by the amount greater than the guideline requirement. For this loan, reducing the sales price by the $[Redacted] excessing IPC's would result in an LTV/CLTV > [Redacted]%, the guideline max and additional conditions will apply. Seller Comment (2025-12-11): Please advise what you will accept to cure this condition |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9855427 | [Redact] | [Redact] | 34857386 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by Custodian |
01/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9855427 | [Redact] | [Redact] | 35446908 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-01-13): [Redacted]: Please see the attached, [Redacted]% charges did not exceed baseline document // |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redact] | 9855427 | [Redact] | [Redact] | 35446909 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-14): [Redacted] received valid COC document Seller Comment (2026-01-13): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the DTI changed, affecting the [Redacted], negative pricing disclosed on the [Redacted] Seller Comment (2026-01-13): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted]the DTI changed, affecting the [Redacted], negative pricing disclosed on the [Redacted] |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redact] | 9855427 | [Redact] | [Redact] | 35451321 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 01/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9855427 | [Redact] | [Redact] | 35475777 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-01-14): Sufficient Cure Provided At Closing |
01/14/2026 | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| [Redact] | 9856877 | [Redact] | [Redact] | 34868918 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by Custodian |
01/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9856877 | [Redact] | [Redact] | 35447348 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The credit report fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted] There was a lender credit to cover the cost to cure. | Reviewer Comment (2026-01-12): Sufficient Cure Provided At Closing |
01/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redact] | 9896621 | [Redact] | [Redact] | 34938774 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] |
12/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 9896621 | [Redact] | [Redact] | 35152645 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2025-12-05): Client elected to waive the condition on the Non-QM 1st lien |
12/05/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 9917635 | [Redact] | [Redact] | 34980852 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9917635 | [Redact] | [Redact] | 35851006 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided | 02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9917635 | [Redact] | [Redact] | 35851021 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-12): Received and associated Updated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-03-12): Please see attached policy. Reviewer Comment (2026-03-10): Received same hazard policy, A dwelling is based on a estimate of the cost. The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2026-03-09): Please see attached policy. Please refer to the important information section on page [Redacted] that states the coverage A dwelling is based on an estimate of the cost to rebuild the home. Reviewer Comment (2026-02-25): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted] . Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2026-02-25): Response from processor: HOI is sufficient, please review section - The limit of liability for this structure (Coverage A: Dwelling) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9953386 | [Redact] | [Redact] | 35000993 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by Custodian |
01/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9953386 | [Redact] | [Redact] | 35358498 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | The final 1003 did not identify the gift funds nor the realtor credit (borrower commission) in section [Redacted], Other assets, as required by the FNMA Selling guide, | Reviewer Comment (2026-02-09): Received and associated updated 1003. Exception cleared. Seller Comment (2026-02-06): [Redacted]: Please see attached. Please note that the Gift is reflecting on page [Redacted]. Seller Comment (2026-01-13): [Redacted]: This is not a "Other Asset the borrower has" as this is not a liquid or non-liquid asset type per Fannie Mae guidelines. Rather, this is a credit that flows over from [Redacted] system to the Closing Disclosure Under [Redacted], just like any other transaction. Reviewer Comment (2026-01-12): Required 1003 section [Redacted] reflecting realtor credit. Exception Remains. Seller Comment (2026-01-12): [Redacted]: This is not a "Other Asset the borrower has" as this is not a liquid or non-liquid asset type per Fannie Mae guidelines. Rather, this is a credit that flows over from [Redacted] system to the Closing Disclosure Under [Redacted]. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 9956980 | [Redact] | [Redact] | 35022828 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] |
12/15/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 9977657 | [Redact] | [Redact] | 35054968 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9977657 | [Redact] | [Redact] | 35446229 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Guidelines require [Redacted] months VOR, however, there are only [Redacted] months in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Post close assets: [Redacted] [Redacted] months reserves where [Redacted] is required ([Redacted]X) DTI [Redacted] where [Redacted] is maximum. With [Redacted] year job stability |
[Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-01-12): Client elected to waive the condition with the following Compensating Factors: Post close assets: [Redacted] [Redacted] months reserves where [Redacted] is required ([Redacted]) DTI [Redacted] where [Redacted] is maximum. With [Redacted] year job stability LTV [Redacted] where [Redacted] is maximum. |
01/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 9983757 | [Redact] | [Redact] | 35136160 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9983757 | [Redact] | [Redact] | 35814624 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-26): [Redacted] received LOE for fee name used for second appraisal fee. Seller Comment (2026-02-25): Please see attached lenders Letter of Attestation. Reviewer Comment (2026-02-17): [Redacted] received comment stating desktop appraisal and second appraisal are both synonymous. If both the fees are same as mentioned on comment than we would require LOX in order to clear the exception. Seller Comment (2026-02-16): Disagree - The Appraisal Fee [Redacted] was initial Disclosed to the borrower on the initial LE as the Desktop Appraisal Fee. These [Redacted] fees are synonymous. |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9983757 | [Redact] | [Redact] | 35814625 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-02-16): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9983757 | [Redact] | [Redact] | 35924455 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At Closing |
02/26/2026 | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10007066 | [Redact] | [Redact] | 35171141 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-03): Waived on Rate Lock: Collateral cleared by Custodian |
03/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10007066 | [Redact] | [Redact] | 35789189 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10007066 | [Redact] | [Redact] | 35789192 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Survey Fee not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redact] | 10008086 | [Redact] | [Redact] | 35177480 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian |
03/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10008086 | [Redact] | [Redact] | 35930739 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-02-27): Client elected to waive the condition on the Non-QM [Redacted] lie |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10008083 | [Redact] | [Redact] | 35177481 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10008083 | [Redact] | [Redact] | 35893482 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-02-24): Client elected to waive the condition on the Non-QM 1st lien |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10008083 | [Redact] | [Redact] | 35905564 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-24): Sufficient Cure Provided At Closing |
02/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10066001 | [Redact] | [Redact] | 35272264 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-24): Waived on Rate Lock: Collateral cleared by Custodian |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10066001 | [Redact] | [Redact] | 35894149 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. | Reviewer Comment (2026-03-12): Rescission was re-opened. Revised NORTC, proof of delivery, and LOE provided. Seller Comment (2026-03-10): [Redacted] Please see attached Right to cancel, Letter of explanation, final CD and Shipping label. Reviewer Comment (2026-03-04): The Letter of Explanation is required as part of the TILA ROR cure requirements. Condition is valid and remains open Seller Comment (2026-03-02): [Redacted] Disagree. Rescission was by the correspondent via e-sign and provided e-sign tracking along with the signed corrected right to cancel. Please provide the regulation that states a Letter of explanation is required. Reviewer Comment (2026-02-27): The rescission was re-opened and the borrowers were provided a new three-day rescission period, however a copy of the letter of explanation sent to the borrowers was not provided. Condition remains Seller Comment (2026-02-26): [Redacted] Please see attached. Rescission was reopened due to the right to cancel signed at closing not having correct amount of days. The borrower signed the new right to cancel on [Redacted] and the midnight date is [Redacted]. |
03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10066001 | [Redact] | [Redact] | 35894151 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-02-25): Client elected to waive the condition on the Non-QM 1st lien |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10066001 | [Redact] | [Redact] | 35894180 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10065994 | [Redact] | [Redact] | 35272278 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10085114 | [Redact] | [Redact] | 35301600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-05): (Rate Lock) [Redacted] |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10085114 | [Redact] | [Redact] | 35952901 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10085146 | [Redact] | [Redact] | 35302590 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-03): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35302598 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-10): Tracking Number [Redacted] |
02/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759265 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | The file was missing a copy of the Verification of Identification. | Reviewer Comment (2026-02-24): Driver's license provided Seller Comment (2026-02-23): DL Reviewer Comment (2026-02-12): The Patriot Act form will not clear the condition. A copy of the driver's license, passport, etc. is required. Condition remains Seller Comment (2026-02-11): Patriot Act Form |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759266 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing a copy of the required fraud report including all interested parties to the transaction. | Reviewer Comment (2026-02-12): Fraud Report provided Seller Comment (2026-02-11): Fraud report |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759269 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-02-12): Fraud Report provided Seller Comment (2026-02-11): See Upload |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759333 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is Missing in file. | Reviewer Comment (2026-02-12): Title commitment provided Seller Comment (2026-02-11): Title |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759341 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-02-12): Title commitment provided Seller Comment (2026-02-11): See upload |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759376 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets. Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains Seller Comment (2026-02-27): Additional Assets Reviewer Comment (2026-02-24): An updated statement for account xx[Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Seller Comment (2026-02-23): See additional asset in account. Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Seller Comment (2026-02-17): Please see Final Settlement Statement for the sale of [Redacted] Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759380 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets. Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains Seller Comment (2026-02-27): See upload Reviewer Comment (2026-02-24): An updated statement for account xx[Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. Seller Comment (2026-02-23): See additional asset in account. Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted]of reserves, and verified reserves are $[Redacted]. Seller Comment (2026-02-17): See upload Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35759381 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets. Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains Seller Comment (2026-02-27): See upload Reviewer Comment (2026-02-24): An updated statement for account [Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted]. Seller Comment (2026-02-23): See additional asset in account. Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted]. Seller Comment (2026-02-17): See upload Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted]. Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10085148 | [Redact] | [Redact] | 35805960 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Upon further review, the borrower is short funds to close and reserves. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. | Reviewer Comment (2026-02-18): Proceeds from cash out refi of REO provided and there are sufficient funds to close. Seller Comment (2026-02-17): See upload |
02/18/2026 | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 35338274 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-23): [Redacted] - [Redacted]: Please see attached. |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36149212 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36149229 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file was missing copy of E-Sign Consent Agreement. | Reviewer Comment (2026-03-31): E-consent provided Seller Comment (2026-03-30): [Redacted]: Please see the attached // |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36149247 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file was missing copy of Fraud Report | Reviewer Comment (2026-04-03): Fraud report provided Reviewer Comment (2026-04-02): Received incomplete fraud report, please provide the complete fraud report with all the pages. Exception Remains. Seller Comment (2026-04-01): [Redacted]: Please see the attached fraud report for the borrower. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36149252 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing copy of Fraud Report | Reviewer Comment (2026-04-03): Fraud report provided Reviewer Comment (2026-04-02): Received incomplete fraud report, please provide the complete fraud report with all the pages. Exception Remains. Seller Comment (2026-04-01): [Redacted]: Please see the attached fraud report for the borrower. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36149261 | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided | The file was missing copy of Right to Cancel (RTC). | Reviewer Comment (2026-04-03): NORTC provided Seller Comment (2026-04-02): [Redacted]: Please see the attached // |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150970 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided |
03/31/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150971 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Missing proof of the borrowers' receipt of the appraisal at least three business days prior to closing. | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided Seller Comment (2026-03-30): Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150972 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing proof of the borrowers' receipt of the appraisal at least three business days prior to closing. | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided Seller Comment (2026-03-30): [Redacted]: Please see the attached Appraisal Delivery // Seller Comment (2026-03-30): [Redacted] Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150973 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-27): Client elected to waive the condition on the Non-QM 1st lien |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150977 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-04-03): [Redacted] received [Redacted] complete CD Seller Comment (2026-04-02): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150979 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment (2026-04-03): NORTC provided Seller Comment (2026-04-02): [Redacted]: Please see the attached // |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10088799 | [Redact] | [Redact] | 36150999 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Reviewer Comment (2026-04-03): [Redacted] received [Redacted] complete CD Seller Comment (2026-04-02): [Redacted]: Please see the attached // Reviewer Comment (2026-03-31): The exception relates to the [Redacted] Interim CD which is missing page [Redacted] and thus missing the Loan Calculations & APR to test to the final CD. Final CD reflects that APR changed over .[Redacted]% from the [Redacted] Initial CD which was the next CD available for testing and with the Final CD APR change the timing would have fallen past the consummation date if correct timing was met. Please provide the missing pages of the [Redacted] CD and any proof of earlier receipt than mailbox rule in order to test that APR to the Initial & final CD's. Seller Comment (2026-03-30): [Redacted]: Please clarify the DocID of the PCCD cited so we can further assist, latest CD from date of closing |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10090025 | [Redact] | [Redact] | 35345644 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10090025 | [Redact] | [Redact] | 35850363 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application | Reviewer Comment (2026-03-04): Earlier disclosure provided Seller Comment (2026-03-04): notice of appraisal Reviewer Comment (2026-02-25): Appraisal acknowledgement dated on [Redacted] has [Redacted] options borrowers did not choose any hence we cannot consider this document, waiver of 3-day delivery is signed on [Redacted] can't consider for the right to receive copy of appraisal. Please provide "Right to Receive a Copy of Appraisal' disclosure to applicant within three (3) business days of application. Exception Remains. Seller Comment (2026-02-24): Can you please provide clarification why the doc provided is not acceptable? is this verbiage not satisfactory? this was signed by the borrowers on [Redacted] If you wish to proceed with the loan closing, your signature will acknowledge either: 1) Your receipt of the appraisal report [Redacted] or more business days prior to your loan closing, or, alternatively, 2) That you previously waived your right to review the appraisal report [Redacted] or more business days prior to the closing of your loan. Reviewer Comment (2026-02-23): Received 3-day delivery waiver. Please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. Exception Remains. Seller Comment (2026-02-20): appraisal delivery |
03/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10091987 | [Redact] | [Redact] | 35359032 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): Collateral delivered via [Redacted]tracking [Redacted]on [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10097943 | [Redact] | [Redact] | 35369490 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10097943 | [Redact] | [Redact] | 35872536 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | The members are First Time Home Buyers. The client approved an exception, however a copy of the fully executed exception approval was not in file. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redacted] DSCR is [Redacted] over minimum ([Redacted]). $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). |
Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-03-05): Client elected to waive the condition with the following Compensating Factors: [Redacted] DSCR is [Redacted] over minimum ([Redacted]). $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). [Redacted]-year rental history paid as agreed. Seller Comment (2026-03-05): [Redacted] [Redacted] Reviewer Comment (2026-02-25): Please provide the Lender Exception form with [Redacted] format. Exception Remains. Seller Comment (2026-02-25): sle |
03/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10097942 | [Redact] | [Redact] | 35369539 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-11): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
02/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10097942 | [Redact] | [Redact] | 35763336 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. Loan file contains unsigned copies. | Reviewer Comment (2026-02-10): Fully executed business purpose cert provided Seller Comment (2026-02-10): Please see attached business purpose certificate. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10097942 | [Redact] | [Redact] | 35763464 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal 3 business days to closing. | 02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10097942 | [Redact] | [Redact] | 35763477 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Per guidelines, the minimum DSCR is [Redacted]. The calculated DSCR is [Redacted] and does not meet the guideline requirements. Note: the subject is a cash out refinance and does not meet the guideline requirements to allow a DSCR < [Redacted](purchase or rate/term refi only). | Reviewer Comment (2026-03-10): Received and associated updated 1003. Exception cleared. Seller Comment (2026-03-09): Please see updated 1003. Reviewer Comment (2026-02-25): Received DSCR worksheet, Tax amount on final is higher $[Redacted] however tax certificate is showing $[Redacted]. If there is no other taxes, please provide the updated 1003 with the proper tax amount. Exception Remains. Seller Comment (2026-02-24): Please see attached DSCR worksheet. If there is discrepancy, please provide your calculation. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35447329 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-19): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
02/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35836088 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate in file was not executed. | Reviewer Comment (2026-02-20): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-02-19): Please see attached business purpose certificate. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35836105 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution document is missing in the file | Reviewer Comment (2026-02-20): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-02-19): Please see attached operating agreement. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35836107 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement document is missing in the file. | Reviewer Comment (2026-02-20): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-02-19): Please see attached operating agreement. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35836131 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | ECOA Receipt of Appraisal Without Waiver | Reviewer Comment (2026-03-09): Earlier disclosure provided Reviewer Comment (2026-03-09): Received initial copy of right to receive copy of appraisal. Please provide signed copy of "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Exception Remains. Seller Comment (2026-03-06): Please see attached disclosure. Reviewer Comment (2026-02-23): Please provide signed copy of "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Exception Remains. Seller Comment (2026-02-20): Please see the other considerations on page [Redacted] of the attached LE. Reviewer Comment (2026-02-20): Received and Appraiser Waiver, please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.. Exception Remains. Seller Comment (2026-02-19): Please see attached disclosure. |
03/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10100146 | [Redact] | [Redact] | 35836136 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] | Reviewer Comment (2026-03-03): Considered the annuity account with a balance of $[Redacted] (using [Redacted]% of the ending balance).Exception Cleared. Seller Comment (2026-03-02): Response from UW management: Borrower has plenty of assets. we are using checking accountxxxx[Redacted] with a ending balance of $[Redacted] and annuity account with a balance of $[Redacted] (using [Redacted]% of ending balance). |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10103315 | [Redact] | [Redact] | 35472772 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-20): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10103315 | [Redact] | [Redact] | 35837299 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-03-11): Updated HOI with corrected dates. Exception cleared. Seller Comment (2026-03-10): hoi |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10103315 | [Redact] | [Redact] | 35837304 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Copy of Note Addendum - Prepayment is not available in file. | Reviewer Comment (2026-02-25): Received and associated Note Addendum - Prepayment. Exception cleared. Seller Comment (2026-02-25): ppp addendum to note |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | Yes | |||||||||||
| [Redact] | 10103315 | [Redact] | [Redact] | 35837334 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification of appraisal was delivered to borrower was not provided. | 02/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10103315 | [Redact] | [Redact] | 35842360 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 02/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10103318 | [Redact] | [Redact] | 35473414 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10103318 | [Redact] | [Redact] | 35861115 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |
02/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10104178 | [Redact] | [Redact] | 35481427 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35497720 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35979172 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file is missing all docs to verify the LLC, required by the guidelines. | Reviewer Comment (2026-03-10): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-03-09): Please see attached articles of formation |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35979675 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file is missing all docs to verify the LLC, required by the guidelines. | Reviewer Comment (2026-03-11): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-03-10): Please see attached showing business is active. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35979716 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file is missing all docs to verify the LLC, required by the guidelines. | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-09): Please see attached operation agreement. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35979760 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file is missing all docs to verify the LLC, required by the guidelines. | Reviewer Comment (2026-03-10): Received and associated Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-03-09): Please see attached EIN letter. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10104523 | [Redact] | [Redact] | 35979788 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing all docs to verify the LLC, required by the guidelines. | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-09): Please see attached operation agreement. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10106091 | [Redact] | [Redact] | 35511659 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10106091 | [Redact] | [Redact] | 35850909 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Provided Business Purpose Certificate is not signed. | Reviewer Comment (2026-02-23): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-02-23): Business purpose |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10106091 | [Redact] | [Redact] | 35850915 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | File is missing a copy of Cash-Out Utilization. | Reviewer Comment (2026-03-04): BPL disclosure provided Seller Comment (2026-03-04): See biz purpose affidavit. no actual LOX is needed. Reviewer Comment (2026-03-02): Please provide a letter of explanation showing reason for refinance cashout utilization. Exception Remains. Seller Comment (2026-02-27): Please see the business purpose certificate provided on [Redacted]. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10106114 | [Redact] | [Redact] | 35513380 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10107044 | [Redact] | [Redact] | 35582845 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10107044 | [Redact] | [Redact] | 35893632 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment (2026-03-05): [Redacted] received initial CD dated[Redacted]. Seller Comment (2026-03-04): Please see the attached Closing Disclosure and TRID worksheet with proof that the borrower was sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. Seller Comment (2026-03-04): Please see the attached Closing Disclosure and TRID worksheet with proof that the borrower was sent an Initial Closing Disclosure on [Redacted] and the [Redacted] rule was applied. This meets the [Redacted] business days before the closing date of [Redacted]. Reviewer Comment (2026-02-26): [Redacted] received CD dated [Redacted] with borrower consented on [Redacted]. Based on the required three-business-day timing for the initial CD, our calculation is as follows:Day [Redacted]: [Redacted] - [Redacted] Birthday (Federal Holiday) - Not a business day; Day [Redacted]: [Redacted] - [Redacted] - Business Day;Day [Redacted]: [Redacted] - [Redacted]- Business Day. Since [Redacted] is a federal holiday and cannot be counted, the CD dated [Redacted] does not meet the requirement of being provided three business days prior to the closing date ([Redacted]).Kindly provide initial CD three business days prior to closing date. Seller Comment (2026-02-25): Please see the attached CD signed on [Redacted] which meets the [Redacted] day cooling off requirements with a closing date of [Redacted] |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10107044 | [Redact] | [Redact] | 35893653 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender qualified with bank statement income and split the income [Redacted] between the borrower and the co-borrower. However, the [Redacted] docs in file and the CPA letter confirmed the borrower is [Redacted]% owner. Provide a revised 1008 and 1003 identifying the income in the borrower's name only. | Reviewer Comment (2026-03-02): Revised 1003 and 1008 provided Seller Comment (2026-02-27): [Redacted] - [Redacted]: Please see attached. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10107141 | [Redact] | [Redact] | 35585489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): (Rate Lock) [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10107141 | [Redact] | [Redact] | 35983965 | Credit | Missing Document | General | Missing Document | Missing Document: Relationship Letter not provided | Relationship Letter is missing in file. Per guidelines, a signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase is required. |
Reviewer Comment (2026-04-30): LOE from borrower provided detailing the relationship to the seller and the reason for the purchase. Seller Comment (2026-04-30): Attaching borrower signed LOE to clear. The LOE confirms [Redacted], seller, is the borrower's father-in-law and states the property was purchased for investment income. This satisfies the requested relationship to seller and reason for purchase documentation. Please Clear. Reviewer Comment (2026-04-24): Based on the guideline '3.2. Non-Arm's Length Transaction: Signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase' required. A gift letter will not be considerable as a relationship letter. Please provide the relationship letter. Exception Remains. Seller Comment (2026-04-23): The relationship is disclosed by the borrower on the signed and dated gift letter on page [Redacted]. The relationship has been disclosed as Son-in-law/Father-in-law. Again please provide the guideline that requires a prescribed specific form to be signed and dated. Please cancel Reviewer Comment (2026-04-23): It is non arm length transaction required Relationship Letter to confirm relationship between seller & buyer to clear this condition. Exception Remains. Seller Comment (2026-04-23): That is correct that the gift letter doesn't provide the reason for the purchase, however the signed and dated Business Purpose and Occupancy Affidavit from the borrower on page [Redacted] states the reason is for an investment and that he and his family will not occupy. If you are indicating the guidelines require these two elements to be on one letter please provide the guideline so we can review. Reviewer Comment (2026-04-22): The gift letter does not explain the reason for the purchase as specifically required per the guidelines. The condition is valid and remains open Seller Comment (2026-04-21): The signed and dated gift letter on page [Redacted] states from the borrower their relationship to the seller. The signed and dated Business Purpose and Occupancy Affidavit on page [Redacted] states from the borrower the reason for the purchase is an investment property that won't be occupied by himself or his family. Both elements of the LOE requirement have been obtained as required to adhere to the guidelines. Please cancel. Reviewer Comment (2026-04-13): Non-arms length transaction. Per guidelines, a signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase is required. Exception Remains. Seller Comment (2026-04-10): Page [Redacted] of [Redacted] ([Redacted]) contains a fully executed gift letter documenting the relationship between the donor and borrower as father/son-in-law. This satisfies the requirement for documenting the relationship and reason for the transaction. Please Cancel. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10107141 | [Redact] | [Redact] | 35984011 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-03-05): Client elected to waive the condition on the Non-QM 1st lien |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10107141 | [Redact] | [Redact] | 35993885 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided | Per the guidelines, for non-arm's length transactions, a payoff statement showing the mortgage is current and no penalties/late fees is required to confirm this transaction is not a foreclosure bailout. | Reviewer Comment (2026-04-08): Received Mortgage Loan Payoff Statement. Exception cleared. Seller Comment (2026-04-07): Attached the mortgage payoff statement is included in the loan file from [Redacted] for the subject property located at [Redacted]. The document reflects a current unpaid principal balance of $[Redacted] and total payoff amount due of $[Redacted], valid through [Redacted], confirming the loan status and payoff details. Please Clear. |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10109700 | [Redact] | [Redact] | 35603938 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10109700 | [Redact] | [Redact] | 36036485 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of $[Redacted]. | 03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35619565 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-13): collateral was delivered [Redacted] via [Redacted] tracking [Redacted] |
02/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35760093 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-13): Final title provided |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35760440 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35763265 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | The file is missing the Verification of Mortgage for the 2nd lien disclosed on title with an original principal balance of $[Redacted]. Note: the file contained a VOM sent to the note holder; however it was blank. | Reviewer Comment (2026-02-12): VOM provided Seller Comment (2026-02-11): vom |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35763275 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file is missing proof the 2nd lien on title, with an original balance of $[Redacted], was paid in full. Payoff was not disclosed on the final CD and the file does not contain the satisfaction referenced in the email conversation in file with the holder of the Note. | Reviewer Comment (2026-03-13): Final title provided Seller Comment (2026-03-13): title Reviewer Comment (2026-02-12): The VOM provided will not clear the condition. Proof the lien was paid in full is required. Condition remains Seller Comment (2026-02-11): vom |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10111715 | [Redact] | [Redact] | 35763638 | Credit | Document Error | General | Document Error | Loan is cross collateralized and release provisions = No | The file is missing proof the 1st lien on title has been released. Payoff on the CD was less than the payoff per the payoff statement in file. Note: it appears the mortgage being paid off was a blanket mortgage including other properties, but the file is missing proof the entire lien will be released/satisfied and the subject lien will be in first position. The final title policy will be sufficient to clear this condition. | Reviewer Comment (2026-03-13): Final title provided |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10111716 | [Redact] | [Redact] | 35619589 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-13): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10111716 | [Redact] | [Redact] | 35760983 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-13): Final title provided |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10111716 | [Redact] | [Redact] | 35763532 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | The file is missing the Verification of Mortgage for the 2nd lien disclosed on title with an original principal balance of $[Redacted]. Note: the file contained a VOM sent to the note holder; however it was blank. | Reviewer Comment (2026-02-12): VOM provided Seller Comment (2026-02-12): vom |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10111716 | [Redact] | [Redact] | 35763603 | Credit | Document Error | General | Document Error | Loan is cross collateralized and release provisions = No | The file is missing proof the 1st lien on title has been released. Payoff on the CD was less than the payoff per the payoff statement in file. Note: it appears the mortgage being paid off was a blanket mortgage including other properties, but the file is missing proof the entire lien will be released/satisfied and the subject lien will be in first position. The final title policy will be sufficient to clear this condition. | Reviewer Comment (2026-03-13): Final title provided Seller Comment (2026-03-13): title |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10111722 | [Redact] | [Redact] | 35620184 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139382 | [Redact] | [Redact] | 35636062 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian |
03/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10139382 | [Redact] | [Redact] | 35917218 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and [Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-02-25): Client elected to waive the condition on the Non-QM [Redacted] lien |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10143548 | [Redact] | [Redact] | 35652330 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-05): Tracking Number [Redacted] |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10143548 | [Redact] | [Redact] | 35946372 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10143552 | [Redact] | [Redact] | 35654295 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-17): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10143552 | [Redact] | [Redact] | 36052769 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing Business Purpose Certificate. | Reviewer Comment (2026-03-18): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-03-17): Please see attached business purpose certificate. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10143552 | [Redact] | [Redact] | 36052770 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization not provided. | Reviewer Comment (2026-03-18): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-03-18): Please see attached business purpose certificate. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10143552 | [Redact] | [Redact] | 36057295 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10143567 | [Redact] | [Redact] | 35654697 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-12): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. |
03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10143567 | [Redact] | [Redact] | 35995831 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10145878 | [Redact] | [Redact] | 35656210 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-03): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146541 | [Redact] | [Redact] | 35682050 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146543 | [Redact] | [Redact] | 35682139 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146816 | [Redact] | [Redact] | 35693310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146815 | [Redact] | [Redact] | 35693413 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10146815 | [Redact] | [Redact] | 35938468 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10148129 | [Redact] | [Redact] | 35702804 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10148921 | [Redact] | [Redact] | 35714083 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10148921 | [Redact] | [Redact] | 35889845 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file is missing a copy of the Fraud report. | Reviewer Comment (2026-03-03): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-02): Fraud Report |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10148921 | [Redact] | [Redact] | 35889860 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file is missing a copy of the Fraud report. | Reviewer Comment (2026-03-04): Fraud Report provided Seller Comment (2026-03-04): Fraud Report |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10148921 | [Redact] | [Redact] | 35889865 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10148922 | [Redact] | [Redact] | 35714216 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10148922 | [Redact] | [Redact] | 35916605 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10148922 | [Redact] | [Redact] | 35917106 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | The file is missing 60 days history for the checking account xx[Redacted]. The VOD in file verified a period of [Redacted] and no additional months statement was provided. | Reviewer Comment (2026-03-09): Two consecutive month bank statements are received. Exception cleared. Seller Comment (2026-03-06): Attached |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10150171 | [Redact] | [Redact] | 35724503 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): Tracking Number [Redacted] |
03/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10150314 | [Redact] | [Redact] | 35726188 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10150314 | [Redact] | [Redact] | 35948897 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10150315 | [Redact] | [Redact] | 35726327 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-27): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10151253 | [Redact] | [Redact] | 35735264 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10151821 | [Redact] | [Redact] | 35754896 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10151821 | [Redact] | [Redact] | 35996030 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10151822 | [Redact] | [Redact] | 35754990 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-19): Collateral delivered on[Redacted] via [Redacted] tracking number [Redacted] |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10151823 | [Redact] | [Redact] | 35755310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10151823 | [Redact] | [Redact] | 36121741 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10151823 | [Redact] | [Redact] | 36140861 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-24): Client elected to waive the condition |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10153407 | [Redact] | [Redact] | 35762196 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 35763299 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): See attached collateral package with tracking # |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 36076047 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Reviewer Comment (2026-03-17): Client elected to waive the condition on the Non-QM 1st lien |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 36076050 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |
03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 36076074 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The valuation address does not match the Note address. The appraisal report reflects the city as [Redacted], whereas the Note document reflects the city as [Redacted]. | Reviewer Comment (2026-03-19): As per the letter of explanation, [Redacted] states that [Redacted], [Redacted], [Redacted] is also known as[Redacted], [Redacted], [Redacted].Exception Cleared Seller Comment (2026-03-18): Please see attached [Redacted] in in [Redacted]. They are interchangeable. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 36081660 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | AUS/Approval Subject City of [Redacted] does not match Note City of [Redacted]. | Reviewer Comment (2026-03-19): As per the letter of explanation, [Redacted] states that [Redacted] is also known as [Redacted].Exception Cleared Seller Comment (2026-03-18): See trailing docs. [Redacted] is in [Redacted][Redacted]. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10153410 | [Redact] | [Redact] | 36081943 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Fully executed and complete Final 1003 not provided. | Reviewer Comment (2026-03-18): Received and associated 1003 Final. Exception cleared. Seller Comment (2026-03-18): See attached final signed 1003 |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10153430 | [Redact] | [Redact] | 35763659 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10153430 | [Redact] | [Redact] | 35948862 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10153430 | [Redact] | [Redact] | 35948875 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing in loan file. | Reviewer Comment (2026-03-12): Final 1003 provided Seller Comment (2026-03-11): 1003 |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10153430 | [Redact] | [Redact] | 35948901 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier is not provided. | Reviewer Comment (2026-03-09): ULI provided Seller Comment (2026-03-06): 1003 |
03/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10153430 | [Redact] | [Redact] | 35967430 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing the settlement statement to verify the 1031 Exchange funds identified on page [Redacted] of the CD of $[Redacted]. | Reviewer Comment (2026-03-20): Received Closing Settlement Statement. Exception cleared. Seller Comment (2026-03-20): Please see attached signed ALTA settlement statement. Reviewer Comment (2026-03-18): A buyer settlement statement is required to verify the exchange funds. Exception Remains. Seller Comment (2026-03-18): signed sellers cd Seller Comment (2026-03-18): ss Reviewer Comment (2026-03-16): Please provide signed Settlement Statement. Seller Comment (2026-03-16): please advise if the docs needs to be signed or will you accept the document without it signed. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10153702 | [Redact] | [Redact] | 35764273 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10153702 | [Redact] | [Redact] | 36088414 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10153701 | [Redact] | [Redact] | 35764275 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10153706 | [Redact] | [Redact] | 35764276 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10153992 | [Redact] | [Redact] | 35772428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-25): Tracking Number [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10153992 | [Redact] | [Redact] | 35892878 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10154003 | [Redact] | [Redact] | 35772640 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10154397 | [Redact] | [Redact] | 35773434 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-25): Tracking Number [Redacted] |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10154397 | [Redact] | [Redact] | 35855579 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10154398 | [Redact] | [Redact] | 35773974 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10154398 | [Redact] | [Redact] | 35934353 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-02): Client elected to waive the condition on the Non-QM [Redacted] lien |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10154398 | [Redact] | [Redact] | 35934359 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10154398 | [Redact] | [Redact] | 35951135 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10154998 | [Redact] | [Redact] | 35791263 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10154998 | [Redact] | [Redact] | 36064842 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10154998 | [Redact] | [Redact] | 36064909 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Client approved exception for Guidelines state the maximum loan size for a cash-out refinance is [Redacted] million. The borrower would like to do a cash out transaction with a $[Redacted] total loan amount. The borrower provided an explanation on the intent of the transaction. The amount of cash back the borrower would be getting is [Redacted], the LTV would be [Redacted]% and the DTI is [Redacted]% | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves of [Redacted] months where [Redacted] is minimum ([Redacted]X) LTV [Redacted] where [Redacted] is maximum ([Redacted]) |
[Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-16): Client elected to waive the condition with the following Compensating Factors: Credit Depth: Trade history dates to [Redacted] and mortgage history dates to [Redacted] paid timely. LTV [Redacted] where [Redacted] is maximum ([Redacted]) Reserves of [Redacted] months where [Redacted] is minimum ([Redacted]) |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35791684 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Tracking Number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35991112 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | Missing required Transcript (1040) or W-2 Transcript. | Reviewer Comment (2026-03-11): Received and associated W2 transcrips. Exception cleared. Seller Comment (2026-03-10): transcripts |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35992833 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel of [Redacted] occurs prior to expected date of [Redacted]. | Reviewer Comment (2026-03-25): Revised NORTC, proof of delivery, and LOE provided. Seller Comment (2026-03-23): Please see the top of the cover letter, RTC was sent via [Redacted] on [Redacted] and signed the same day. The RTC also reflected time stamps. Reviewer Comment (2026-03-19): Received letter to borrower and new NORTC, however, the proof of delivery and borrower receipt is still missing. Please provide. Seller Comment (2026-03-18): revise RTC Reviewer Comment (2026-03-12): The transaction date on the NORTC was [Redacted] and the expiration date was [Redacted]. The NORTC was executed [Redacted] and the borrower did not receive a three day rescission. The expected expiration date, based on the [Redacted] transaction date/signature date is [Redacted]. Rescission is required to be re-opened. Provide a revised NORTC, giving the borrower(s) a new three-day rescission, a copy of the letter of explanation sent to the borrowers and proof of receipt. Note: the condition cannot be cured until after the new rescission period expires. Condition is valid and remains open Seller Comment (2026-03-10): Please clarify, the RTC was signed on [Redacted] and the loan was disbursed on [Redacted], which met the [Redacted] day timeframe. |
03/25/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35992872 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-03-13): RCE provided Seller Comment (2026-03-13): replacement cost calc reflecting a lower amount and coverage was sufficient Reviewer Comment (2026-03-11): [Redacted]% of extended coverage is considered. The insurance coverage is not covering the loan amount of $[Redacted]. We have shortage of $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2026-03-10): Please cancel the condition; HOI on page [Redacted] [Redacted], reflected [Redacted]% replacement cost (located under Net Premium on the document) and satisfied section B7-3-02 of the FNMA selling guide using the lesser of the two calculations. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35996408 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-12): Additional statement provided Seller Comment (2026-03-10): transcripts uploaded |
03/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35996409 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than 90 days prior to closing. | The retirement statement in file used to calculate the Asset Depletion used to qualify was > 120 days old. The quarterly statement in file has an end date of [Redacted]. Provide the recent statement(s) dated within 120 days of closing. | Reviewer Comment (2026-03-12): Additional statement provided Seller Comment (2026-03-11): updated statements for [Redact] with a higher balance of $[Redacted] |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10154999 | [Redact] | [Redact] | 35996410 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-12): Additional statement provided |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10155281 | [Redact] | [Redact] | 35794846 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian |
03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155400 | [Redact] | [Redact] | 35795450 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10155400 | [Redact] | [Redact] | 36013335 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law. Reviewer Comment (2026-03-12): Elevated to the client for review Seller Comment (2026-03-11): LOE |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35795751 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-04): (Rate Lock) Per tracking [Redacted] the Note was delivered on [Redacted] |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940187 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted] ) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-03): Client elected to waive the condition on the Non-QM 1st lien |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940218 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report missing in the file. | Reviewer Comment (2026-03-04): Fraud report provided Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Fraud report |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940222 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940227 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report missing in the file. | Reviewer Comment (2026-03-04): Fraud report provided Seller Comment (2026-03-04): (Rate Lock) Per tracking [Redacted] the Note was delivered on [Redacted] Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Fraud report |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940230 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification missing for the property [Redacted]. | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted] |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940232 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification missing for the property [Redacted]. | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted] Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties Seller Comment (2026-03-04): (Rate Lock) Tax Cert for [Redacted] |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35940233 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification missing for the property [Redacted]. | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted] |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35946604 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception to close in LLC, he owns [Redacted]% of the LLC but the only party of the loan transaction. The LLC agreement requires [Redacted] parties to sign on behalf of the LLC since no party owns [Redacted]% so any personal guarantee would need to be signed by both parties but only one party is on the credit application Customer Compensating Factors: [Redacted] DTI is [Redacted] below max ([Redacted]), $[Redacted]post-close reserves ([Redacted] months or [Redacted] ), and $[Redacted]net monthly savings. |
The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more. |
Client elect to waive with compensating factors: [Redacted] DTI is [Redacted] below max ([Redacted]). Client elect to waive with compensating factors: [Redacted] post-close reserves ([Redacted] months or [Redacted]x). |
Originator Pre-Close,[Redact],Aggregator Originator Pre-Close,Aggregator,[Redact] |
Reviewer Comment (2026-03-03): Client elect to waive with compensating factors: [Redacted] DTI is [Redacted] below max ([Redacted]). [Redacted] post-close reserves ([Redacted] months or [Redacted]x). [Redacted] net monthly savings. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10155403 | [Redact] | [Redact] | 35946962 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification missing for the property [Redacted]. | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions Reviewer Comment (2026-03-04): Received Tax certificate is not reflecting the property address. Please provide the tax certificate reflecting the property address '[Redacted]'. Exception Remains. Seller Comment (2026-03-04): (Rate Lock) certificates Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties Seller Comment (2026-03-04): (Rate Lock) tax cert Seller Comment (2026-03-04): (Rate Lock) Tax Cert for [Redacted] property |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10155845 | [Redact] | [Redact] | 35796444 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10155845 | [Redact] | [Redact] | 36192333 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10155840 | [Redact] | [Redact] | 35796445 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10155844 | [Redact] | [Redact] | 35796456 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian |
03/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155844 | [Redact] | [Redact] | 35927213 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10155839 | [Redact] | [Redact] | 35796457 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155838 | [Redact] | [Redact] | 35796458 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155838 | [Redact] | [Redact] | 36064670 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155871 | [Redact] | [Redact] | 35797168 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-26): (Rate Lock) [Redacted] |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10155871 | [Redact] | [Redact] | 35855678 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155871 | [Redact] | [Redact] | 35855679 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155875 | [Redact] | [Redact] | 35797175 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-06): (Rate Lock) [Redacted] |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10155875 | [Redact] | [Redact] | 35961373 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Reviewer Comment (2026-03-05): Client elected to waive the condition on the Non-QM 1st lien |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10106413 | [Redact] | 35930531 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is not provided. | Reviewer Comment (2026-03-04): Received and associated Guarantor Agreement. Exception cleared. Seller Comment (2026-03-03): non-Owner Seller Comment (2026-03-03): [Redacted] |
03/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106413 | [Redact] | 35930532 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided | Non-Owner Occupancy Declaration is not provided. | Reviewer Comment (2026-03-12): Received and associated Non-Owner Occupancy Declaration. Exception cleared. Seller Comment (2026-03-11): documents |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106413 | [Redact] | 35930534 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided. | Reviewer Comment (2026-03-04): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-03-03): [Redacted] |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106415 | [Redact] | 35940226 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors: [Redacted] DSCR Client elects to waive with compensating factors: $[Redacted] Liquidity |
Originator,Aggregator Originator,Aggregator,[Redact] |
Reviewer Comment (2026-03-30): Client elects to waive with compensating factors. Seller Comment (2026-03-24): Escalating to [Redacted] to review Seller Comment (2026-03-24): lender exception approved Reviewer Comment (2026-03-17): Disagree. The guideline matrix reflects [Redacted]% for Cash Out with a [Redacted]+ Credit Score. Borrower has a [Redacted] dropping them a tier on the matrix to [Redacted]% max LTV. Condition remains. Seller Comment (2026-03-17): A [Redacted] Mid FICO with [Redacted] DSCR is eligible for [Redacted]% cash out refinance |
03/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10106432 | [Redact] | 35915824 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | - | Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106432 | [Redact] | 35915846 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | - | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared. |
03/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106432 | [Redact] | 35915871 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Appraisal document is missing in the file. | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared. Seller Comment (2026-03-03): Appraisals |
03/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106432 | [Redact] | 35915874 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing in the file. | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared. Seller Comment (2026-03-03): Appraisals |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106432 | [Redact] | 35915879 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate document is missing in the file. | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared. Seller Comment (2026-03-03): Tax Certs |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106432 | [Redact] | 35915884 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate document is missing in the file. | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared. Seller Comment (2026-03-03): Tax Certs |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106443 | [Redact] | 35915355 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer identification document is missing in the file. | Reviewer Comment (2026-03-12): Received and associated W-9 form. Exception cleared. Seller Comment (2026-03-11): documents |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106443 | [Redact] | 35915358 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution document is missing in the file. | Reviewer Comment (2026-03-18): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-18): uploaded OA and entity cert Seller Comment (2026-03-18): Uploaded Reviewer Comment (2026-03-04): Please provide the Corporate Resolution. Exception Remains. Seller Comment (2026-03-03): [Redacted] Seller Comment (2026-03-03): Corporate Seller Comment (2026-03-03): Documents |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106443 | [Redact] | 35915359 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Article of organization document is missing in the file. | Reviewer Comment (2026-03-04): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-03-03): Articles |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106465 | [Redact] | 35843756 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall [Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least [Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-03-25): RCE email provided by the insurance company. Exception Cleared. Seller Comment (2026-03-24): email confirmation providing the proof that the HOI agent provided these figures and excel. Reviewer Comment (2026-03-24): Unable to verify the Replacement Cost Coverage identified as coming from the HOI agent. Documentation from the HOI company verifying the replacement cost or verifying the current policy has Guaranteed Replacement Cost coverage is required. Exception Remains. Seller Comment (2026-03-24): [Redact] Agent provided an Excel with the Replacement Cost Estimate (RCE) calculated at [Redact]/SF (Column H) We added Column I to calculate [Redacted]% of the RCE. Using the same methodology (consistent with reviewer comments and Fannie Mae guidelines) Insurance coverage was compared to this [Redacted]% threshold to confirm sufficiency. Column K reflects the variance between coverage and [Redacted]% of the RCE. A positive variance indicates sufficient coverage. In this case, the variance is positive, confirming coverage meets requirements. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106465 | [Redact] | 35843830 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. | Borrower's Experience/Track Record Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redact] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters. Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redact] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters. |
Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-03-19): Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redacted] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters. Seller Comment (2026-03-19): Compensating factor approved Reviewer Comment (2026-03-02): Per the guidelines 'Foreign Nationals: >[Redacted] DSCR [Redacted]% increase in LTV', file is not foreign national, by increasing the LTV will not change the FICO requirement of [Redacted], also we can't reduce [Redacted]%, subject is not vacant refinance. a cash out refinance with an LTV of [Redacted]%, requires a FICO score of [Redacted]+. The max LTV for a cash out refi with a FICO of [Redacted] is [Redacted]%. Condition is valid and remains open. Seller Comment (2026-02-27): Guidelines: [Redacted] FICOs: >[Redacted] DSCR [Redacted]% increase in LTV (See page [Redacted]) Reviewer Comment (2026-02-24): Per the guidelines provided for the review, a cash out refinance with an LTV of [Redacted]%, requires a FICO score of [Redacted]+. The max LTV for a cash out refi with a FICO of [Redacted] is [Redacted]%. Exception Remains Seller Comment (2026-02-20): [Redacted] credit report allowable per guidelines, mitigated by >[Redacted] DSCR |
03/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10106490 | [Redact] | 35920697 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Missing required 1025 for the subject property, [Redacted]. | Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106490 | [Redact] | 35920724 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | - | Missing required 1025 for the subject property, [Redacted]. Secondary desk review was not provided to validate the primary appraisal. | Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106490 | [Redact] | 35930163 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | - | Appraisal is not provided in file. | Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106490 | [Redact] | 35930221 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Missing required [Redacted] for the subject property, [Redacted]. LTV calculation is not accurate due to missing appraisal. LTV haircut is required due to the missing lease for [Redacted]. | Reviewer Comment (2026-03-11): Appraisal provided Reviewer Comment (2026-03-09): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106490 | [Redact] | 36035247 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | The appraisal was provided for [Redacted] and identified as tenant occupied. The file is missing the lease agreements for both units. | Reviewer Comment (2026-03-20): Lease Agreement provided for term [Redacted] through [Redacted]. Exception cleared. Seller Comment (2026-03-20): [Redacted] proposes a discussion with [Redacted] and Purchaser. The Term is [Redacted] to [Redacted] but you are missing the next sentence: in the event the landlord or tenant does not terminate, there is auto month to month clause and we have [Redacted] months of proof of rent matching the rent amount. Please clarify. Reviewer Comment (2026-03-18): Provided Lease Agreement is from [Redacted] to [Redacted]; however, a current lease agreement is required. Exception Remains Seller Comment (2026-03-17): Leases Reviewer Comment (2026-03-12): A lease agreement is required for the property at [Redacted] for two units. Exception Remains. Seller Comment (2026-03-12): Document Seller Comment (2026-03-11): documents |
03/20/2026 | 1 | A | A | A | A | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106503 | [Redact] | 35862858 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax certificate that shows Lender's qualified taxes on HUD was not provided. | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-03): Tax Cert |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106555 | [Redact] | 35893388 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application for the guarantor(s) | Reviewer Comment (2026-03-13): Credit application provided |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106558 | [Redact] | 35892213 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application for the guarantor(s) | Reviewer Comment (2026-03-13): Credit application provided |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106558 | [Redact] | 35892218 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter not provided. | Reviewer Comment (2026-03-13): CPL provided |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106558 | [Redact] | 35892231 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided. | Reviewer Comment (2026-03-04): Received Hazard insurance policy. Exception Cleared. Seller Comment (2026-03-03): Page [Redacted] |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106575 | [Redact] | 35872448 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. Reviewer Comment (2026-03-03): Please Provide Condo warrantable/Project Approval. Exception Remains Seller Comment (2026-03-02): Condo questionnaire attached Seller Comment (2026-03-02): Condo Questionnaire |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106576 | [Redact] | 35843075 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-25): Received Replacement Cost Estimator. Exception Cleared. Seller Comment (2026-03-24): the coverage is within [Redacted]% of the RCE, insurance exception should clear Reviewer Comment (2026-03-20): In Coverage Information section does not specify the replacement cost coverage amount or percentage (%). Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains. Seller Comment (2026-03-20): [Redacted] On EOI, under Coverage Information, located row that reads "Replacement Cost" marked Yes. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106601 | [Redact] | 35935701 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | File does not contain documentation from lender/seller confirming condos are warrantable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. Seller Comment (2026-03-03): Confirming condo is non-warrantable. Per [Redacted] this will clear. Please advise. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106601 | [Redact] | 35935910 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-12): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-12): Document Reviewer Comment (2026-03-04): Received a Tax Certificate for all properties. The lender must provide the correct Tax Certificate supporting the tax value used to qualify. Exception Remains. Seller Comment (2026-03-03): [Redacted] |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106602 | [Redact] | 35926391 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the Credit Application. | Reviewer Comment (2026-03-13): Credit application provided |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106602 | [Redact] | 35926395 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file is missing a copy of the Credit Report. | Reviewer Comment (2026-03-04): Received and associated Credit Report. Exception cleared. Seller Comment (2026-03-03): 1003 Seller Comment (2026-03-03): Credit |
03/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106602 | [Redact] | 35927528 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106673 | [Redact] | 35840724 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-03-12): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-03-11): Document |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106722 | [Redact] | 35872837 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-20): Received Replacement Cost Estimator. Exception cleared. Seller Comment (2026-03-20): uploaded |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106723 | [Redact] | 35935691 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors. Client elects to waive with compensating factors. |
[Redact],Originator,Aggregator Originator,Aggregator,[Redact] |
Reviewer Comment (2026-03-30): Client elects to waive with compensating factors. Seller Comment (2026-03-24): Flipping to [Redacted] to review. Seller Comment (2026-03-24): [Redacted] Lender Exception uploaded. Seller Comment (2026-03-24): lender exception approved Reviewer Comment (2026-03-18): A FICO score of [Redacted] is required for [Redacted]% LTV per the matrix. Nowhere in the guidelines does it state that there is a [Redacted]% LTV increase allowed for a [Redacted] DSCR. Exception remains Seller Comment (2026-03-17): Expected resolution on guidelines provided [Redacted]. Exception should be cleared based on [Redacted]% LTV allowable for [Redacted] FICO with >[Redacted] DSCR |
03/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10106727 | [Redact] | 35918453 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. $[Redacted]/month | Reviewer Comment (2026-03-03): Received the associated Tax Certificate showing an annual amount of $[Redacted]. Exception Cleared. Seller Comment (2026-03-02): The subject property is purchase and pending updated tax cert typically based on the purchase price. UW conservatively calculated the property taxes based off the estimated reassessed value using the appraisal value and the tax rate for future taxes. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106797 | [Redact] | 35853804 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | credit app not signed by borrower. | Reviewer Comment (2026-04-09): Received signed 1003. Exception Cleared. Seller Comment (2026-04-08): Signed Loan app uploaded Please clear. Reviewer Comment (2026-03-16): Received Credit application not signed. Exception Remains |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106797 | [Redact] | 35931061 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10156391 | [Redact] | [Redact] | 35806255 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Tracking Number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156391 | [Redact] | [Redact] | 35956924 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156391 | [Redact] | [Redact] | 35956975 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35807627 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35993661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The file was missing a copy of the Guarantor Agreement. | Reviewer Comment (2026-03-20): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-03-20): Please see attached guarantor agreement. |
03/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35993662 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file was missing a copy of the Cash-Out Utilization disclosure. Note: the fully executed Business Purpose Cert will clear this condition. | Reviewer Comment (2026-03-12): Fully executed Business Purpose Cert provided |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35993663 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the fully executed Business Purpose Certificate. | Reviewer Comment (2026-03-12): Fully executed Business Purpose Cert provided Seller Comment (2026-03-11): business purpose |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35993676 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156748 | [Redact] | [Redact] | 35993677 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156749 | [Redact] | [Redact] | 35807673 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10156750 | [Redact] | [Redact] | 35807723 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156750 | [Redact] | [Redact] | 36034750 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. | 03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10156750 | [Redact] | [Redact] | 36035679 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156754 | [Redact] | [Redact] | 35808787 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-27): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10156756 | [Redact] | [Redact] | 35808832 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10156756 | [Redact] | [Redact] | 35956819 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing |
03/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10156765 | [Redact] | [Redact] | 35808833 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10156765 | [Redact] | [Redact] | 36052647 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within 30 days of the Note Date. | Hazard Insurance Policy expires within 30 days of the Note Date. Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted] | Reviewer Comment (2026-03-31): Renewal policy provided Seller Comment (2026-03-27): [Redacted] [Redacted]: Please see the attached document supporting the renewal policy |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10156765 | [Redact] | [Redact] | 36052737 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | annie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]% | Reviewer Comment (2026-03-13): Client elected to waive the condition on the Non-QM 1st lien |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10156765 | [Redact] | [Redact] | 36055043 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35808834 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35946596 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35951202 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35967764 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-04): Sufficient Cure Provided At Closing |
03/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35970543 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. | Reviewer Comment (2026-03-12): Additional months' statement provided Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35970544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient asset documentation in file. Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month. | Reviewer Comment (2026-03-12): Additional months' statement provided Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. |
03/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10156760 | [Redact] | [Redact] | 35970545 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient asset documentation in file. Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month. | Reviewer Comment (2026-03-12): Additional months' statement provided Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10156762 | [Redact] | [Redact] | 35808840 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10156769 | [Redact] | [Redact] | 35808886 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156769 | [Redact] | [Redact] | 36011131 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law. Reviewer Comment (2026-03-12): Elevated to the client for review Reviewer Comment (2026-03-12): Please do not reference other loans or borrowers in the comments. This condition is valid and client approval to waive it is required. The condition will be elevated to the client for review. Seller Comment (2026-03-11): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted][Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10156758 | [Redact] | [Redact] | 35808962 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-04): (Rate Lock) [Redacted] |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10156758 | [Redact] | [Redact] | 35936848 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10156758 | [Redact] | [Redact] | 35936849 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-02): Client elected to waive the condition on the Non-QM 1st lien |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10156758 | [Redact] | [Redact] | 35937283 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-25): Lender project review provided Reviewer Comment (2026-03-25): Condo Warrantable documentation is not available in file. Lender or seller must provide confirmation that the condo is warrantable or Project Approval. Exception Remains. Seller Comment (2026-03-24): The limited review completed by the lender/seller is confirmation the condo is warrantable. Please cancel Reviewer Comment (2026-03-19): We have the HOA Questionnaire that was previously provided. Lender or seller must provide confirmation that the condo is warrantable or Project Approval. Exception Remains. Seller Comment (2026-03-19): Documentation on page Page [Redacted] of [Redacted] ([Redacted]) and [Redacted] ([Redacted]) contains a fully completed and executed Conventional Limited Review Condominium Questionnaire for the project "[Redacted]," confirming the project meets FNMA limited review eligibility requirements, including established project status, [Redacted]% unit conveyance, HOA control turnover, and no adverse conditions such as litigation, structural issues, or special assessments. Please Cancel. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10157972 | [Redact] | [Redact] | 35809197 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10157962 | [Redact] | [Redact] | 35815810 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): collateral delivered[Redacted] via [Redacted] tracking [Redacted] |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10157962 | [Redact] | [Redact] | 35972447 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law. Reviewer Comment (2026-03-09): Elevated to the client for review Seller Comment (2026-03-09): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10157978 | [Redact] | [Redact] | 35816254 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-27): Tracking Number [Redacted] |
03/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10157978 | [Redact] | [Redact] | 36116947 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10157978 | [Redact] | [Redact] | 36116948 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). | Reviewer Comment (2026-03-23): Client elected to waive the condition on the Non-QM 1st lien |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10157970 | [Redact] | [Redact] | 35816296 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10157970 | [Redact] | [Redact] | 36009344 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-03-10): Client elected to waive the condition on the Non-QM 1st lien |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10157970 | [Redact] | [Redact] | 36009349 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10157980 | [Redact] | [Redact] | 35816297 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10157980 | [Redact] | [Redact] | 35969323 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client Approved Exception for Guidelines state properties less than [Redacted] square feet are ineligible. The subject property is a [Redacted] square foot attached condo. Comps provided range from [Redacted] square feet to [Redacted] square feet with two of the comps being in the same project to support market acceptance. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Client elect to waive with compensating factors: $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). Client elect to waive with compensating factors: [Redacted] LTV is [Redacted] below max ([Redacted]). |
Originator Pre-Close,Aggregator,[Redact] [Redact],Originator Pre-Close,Aggregator |
Reviewer Comment (2026-03-05): Client elect to waive with compensating factors: [Redacted] LTV is [Redacted] below max ([Redacted]). $[Redacted] post-close reserves ([Redacted] months or [Redacted]). Subject property owned for [Redacted] years. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10157987 | [Redact] | [Redact] | 35816901 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10158210 | [Redact] | [Redact] | 35830484 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian |
03/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10158210 | [Redact] | [Redact] | 35931057 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-02-27): Client elected to waive the condition on the Non-QM 1st lien |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10158210 | [Redact] | [Redact] | 35940672 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / [Redacted] not provided | The 1008 in file and the tape data has a DTI of [Redacted]%. The amount of liabilities on the 1008 and 1003 do not match the liabilities calculated with the docs in file. Provide clarification of the additional liabilities or a revised 1008. | Reviewer Comment (2026-03-05): Revised 1008 provided Seller Comment (2026-03-05): [Redacted]- [Redacted]: Please see the attached corrected 1008 reflecting a DTI of [Redacted]% |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10158206 | [Redact] | [Redact] | 35830485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10158206 | [Redact] | [Redact] | 36200536 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 04/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10158206 | [Redact] | [Redact] | 36200942 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-04-01): Client elected to waive the condition on the Non-QM 1st lien |
04/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10158206 | [Redact] | [Redact] | 36200943 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10158208 | [Redact] | [Redact] | 35830491 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10158966 | [Redact] | [Redact] | 35830879 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Tracking Number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10158967 | [Redact] | [Redact] | 35830880 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-11): Tracking Number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10158967 | [Redact] | [Redact] | 36012248 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD, Closing Disclosure, Closing statement document is missing in the file. | Reviewer Comment (2026-03-12): Closing statement provided Seller Comment (2026-03-11): alta statement |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10158967 | [Redact] | [Redact] | 36012338 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10158967 | [Redact] | [Redact] | 36012340 | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Closing Disclosure and HUD is missing in the file. | Reviewer Comment (2026-03-12): Settlement statement provided Seller Comment (2026-03-11): alta statement uploaded |
03/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | D | B | A | A | N/A | No | ||||||||||
| [Redact] | 10159001 | [Redact] | [Redact] | 35830979 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): Tracking Number [Redacted] |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10159001 | [Redact] | [Redact] | 36063546 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-03-13): Client elected to waive the condition on the Non-QM 1st lien |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10159001 | [Redact] | [Redact] | 36064096 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 identified the borrower and co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] year, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. | Reviewer Comment (2026-03-25): Received. Seller Comment (2026-03-23): email from borrowers confirming NOO occupancy Reviewer Comment (2026-03-17): An attestation from the Borrower(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is acceptable. Seller Comment (2026-03-16): please clarify; final 1003 confirmed investment transaction. If unacceptable, will a borrower attestation be acceptable. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10159066 | [Redact] | [Redact] | 35831241 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-27): (Rate Lock) [Redacted] |
03/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10159066 | [Redact] | [Redact] | 36148815 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. | Reviewer Comment (2026-03-31): ARM Disclosure provided Seller Comment (2026-03-27): (Rate Lock) arm |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10159066 | [Redact] | [Redact] | 36148816 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Provided Through Home Loan Toolkit | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit. | Reviewer Comment (2026-03-31): Home Loan Tool Kit provided Seller Comment (2026-03-27): (Rate Lock) toolkit |
03/31/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10159066 | [Redact] | [Redact] | 36165507 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. | 03/26/2026 | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10159104 | [Redact] | [Redact] | 35834453 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159116 | [Redact] | [Redact] | 35834898 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10159116 | [Redact] | [Redact] | 36063641 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] | 03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10159116 | [Redact] | [Redact] | 36063757 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10159120 | [Redact] | [Redact] | 35834900 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159117 | [Redact] | [Redact] | 35834902 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10159117 | [Redact] | [Redact] | 35947062 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10159117 | [Redact] | [Redact] | 35947064 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10159126 | [Redact] | [Redact] | 35835180 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159381 | [Redact] | [Redact] | 35835220 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-05): (Rate Lock) collateral delivered [Redacted] - tracking [Redacted] |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159381 | [Redact] | [Redact] | 35970548 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Per the guidelines, the max cash out for loans with an LTV > or = [Redacted]% is $[Redacted]. | Miscellaneous Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Miscellaneous Miscellaneous |
Credit Depth: [Redacted] years mortgage history and [Redacted] years trade history. [Redacted] years Property management experience including multi family. REO equity. Total other REO Equity is $[Redacted] |
Aggregator [Redact] Aggregator Aggregator |
Reviewer Comment (2026-03-11): Client elected to waive the condition with the following compensating factors: Credit Depth: [Redacted] years mortgage history and [Redacted] years trade history. [Redacted] years Property management experience including multi family. REO equity. Total other REO Equity is $[Redacted] Reviewer Comment (2026-03-11): Received Lender exception however there is no approval status on it. Please provide the lender exception in the [Redacted] exception form with approval status. Exception Remains. Seller Comment (2026-03-10): (Rate Lock) Exception request for total cash-out of $[Redacted] is greater than Guideline total cash-out of $[Redacted]. Comp Factors: 0x30x36+ on all mtgs; Curr Primary owned for [Redacted]+ yrs; Experienced investor - owns and manages [Redacted] properties for [Redacted] months. Please advise if approval of exception comes with any pricing implications. Thanks! |
03/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10159965 | [Redact] | [Redact] | 35841442 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian |
03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10159965 | [Redact] | [Redact] | 36127799 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence on the initial 1003 that the borrower intends to occupy the property as their primary residence. | 03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10091790 | [Redact] | 35842581 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA Letter, and Third Party Verification is missing for [Redacted]. | Reviewer Comment (2025-10-22): CPA letter provided. Buyer Comment (2025-10-22): Percentage of ownership Reviewer Comment (2025-10-21): VOE provided. Buyer Comment (2025-10-21): VOE |
10/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10091790 | [Redact] | 35842585 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Buyer Comment (2025-10-17): Acknowledged as non-material - Loan closed [Redacted]. |
10/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10091790 | [Redact] | 35842586 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | EV2 informational | Buyer Comment (2025-10-17): Acknowledged as non-material - Non-QM transaction. |
10/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10091790 | [Redact] | 35842589 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated [Redacted] which is after the Initial Loan Estimate dated [Redacted]. | Reviewer Comment (2025-11-25): [Redacted] received earliest e-consent dated [Redacted]. Buyer Comment (2025-11-24): Per lender: Hi [Redacted], When disclosures are sent electronically, electronic consent from the borrower is required by the third RESPA day. [Redacted], [Redacted], and Guild-observed holidays are excluded. Reviewer Comment (2025-10-23): [Redacted] received e-consent dated [Redacted] however, the consent seems not for the current transaction as it is received in [Redacted]. Please provide e-consent for current transaction or provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. Buyer Comment (2025-10-21): Econsent tracking |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10091790 | [Redact] | 35842590 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared Buyer Comment (2025-10-22): see voe and cpa email |
10/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10091790 | [Redact] | 35842591 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared Buyer Comment (2025-10-22): see voe and cpa email |
10/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10091790 | [Redact] | 35842592 | Property | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Valuation Issue: Subject use is illegal for zoning. | Secondary Appraisal reflects Rural Characteristics and is zoned R-[Redacted] [Redacted] Residential. Guidelines state rural properties are not eligible. Please review and confirm acceptance. | Reviewer Comment (2025-10-22): Zoning is not residential. Buyer Comment (2025-10-18): See Key bottom left. [Redacted] is for [Redacted]. No mention of rural. |
10/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10091790 | [Redact] | 35842593 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines | LENDER EXCEPTION provided due to Non-Arms Length transaction. Construction loan refinance in which the borrower has acted as builder are not eligible for purchase. Exception to allow the borrower's construction / home building business as the builder on subject transaction. Review for acceptance and downgrade consideration. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2025-10-21): Lender exception provided. Buyer Comment (2025-10-18): [Redacted] approved exception for NAL transaction |
10/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10091790 | [Redact] | 35842594 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | Buyer Comment (2025-10-17): Borrower acknowledged receipt at closing. Acknowledged as non-material. |
10/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10160384 | [Redact] | [Redact] | 35845367 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): Tracking Number [Redacted] |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10160385 | [Redact] | [Redact] | 35845387 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-19): collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10160523 | [Redact] | [Redact] | 35845518 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-20): note [Redacted] tracking# [Redacted] |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10160523 | [Redact] | [Redact] | 36100091 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). | Reviewer Comment (2026-03-24): Client elected to waive the condition on the Non-QM 1st lien Seller Comment (2026-03-20): please see our [Redacted] compliance report doc [Redacted] showing points and fees are within compliance |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10160529 | [Redact] | [Redact] | 35845522 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10160529 | [Redact] | [Redact] | 35945938 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-03-04): Client elected to waive the condition on the Non-QM 1st lien |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10160529 | [Redact] | [Redact] | 35945941 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10160531 | [Redact] | [Redact] | 35845523 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10160531 | [Redact] | [Redact] | 36164971 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | 03/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10160528 | [Redact] | [Redact] | 35845524 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10160535 | [Redact] | [Redact] | 35845651 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161411 | [Redact] | [Redact] | 35851993 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-06): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted]. |
03/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10161411 | [Redact] | [Redact] | 35938506 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10161412 | [Redact] | [Redact] | 35852009 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35852101 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file was missing Articles of Organization/Formation. | Reviewer Comment (2026-03-16): Doc provided. Exception cleared. Seller Comment (2026-03-16): articles of org |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file was missing Certificate of Good Standing. | Reviewer Comment (2026-03-10): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-03-09): cogs |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970027 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | The file was missing Closing Protection Letter | Reviewer Comment (2026-03-10): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-09): cpl |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970032 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file was missing Corporate Resolution. | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-09): operating agreement |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970034 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file was missing Employer Identification Number (EIN). | Reviewer Comment (2026-03-10): Received and associated Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-03-09): ein |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970043 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing Operating Agreement. | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-09): operating agreement |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970052 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | The file was missing Title Preliminary. | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-09): title |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970055 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161413 | [Redact] | [Redact] | 35970066 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-09): title |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161447 | [Redact] | [Redact] | 35852220 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-17): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10162235 | [Redact] | [Redact] | 35852391 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10163288 | [Redact] | [Redact] | 35860962 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10163288 | [Redact] | [Redact] | 35993652 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10163288 | [Redact] | [Redact] | 35993653 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10163294 | [Redact] | [Redact] | 35861945 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10163294 | [Redact] | [Redact] | 36016801 | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided | Appraisal Transfer Letter not provided | Reviewer Comment (2026-03-25): Received and associated Appraisal Transfer Letter. Exception Cleared Seller Comment (2026-03-24): [Redacted]: Please see attached document Reviewer Comment (2026-03-18): Received Appraisal Transfer Letter is transferred to a different lender; however, an Appraisal Transfer Letter to [Redacted] is required. Exception Remains. Seller Comment (2026-03-18): [Redacted]: Please see attached document |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10163294 | [Redact] | [Redact] | 36016951 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-10): Sufficient Cure Provided At Closing |
03/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10175678 | [Redact] | [Redact] | 35862635 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-11): (Rate Lock) [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10175678 | [Redact] | [Redact] | 35967059 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10176999 | [Redact] | [Redact] | 35873132 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10176999 | [Redact] | [Redact] | 35997043 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-09): Client elected to waive the condition on the Non-QM 1st lien |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10177699 | [Redact] | [Redact] | 35894098 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-09): (Rate Lock) [Redacted] |
04/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10177699 | [Redact] | [Redact] | 36252636 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | The final CD has an issue date of [Redacted] but a signature date of [Redacted]. | Reviewer Comment (2026-04-30): Client elected to waive the condition Reviewer Comment (2026-04-13): Elevated to the client for review Seller Comment (2026-04-10): [Redacted] - Client accepts as is - unable to clear. |
04/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10177791 | [Redact] | [Redact] | 35897747 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): Tracking Number [Redacted] |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10177791 | [Redact] | [Redact] | 36171987 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | The file was missing copy of Verification of Non-US Citizen Status. Guidelines require: The Applicant must present either an unexpired [Redacted] card or temporary [Redacted] stamp on an unexpired foreign passport. |
Reviewer Comment (2026-04-02): Received. Seller Comment (2026-04-01): valid work visa |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10177793 | [Redact] | [Redact] | 35902212 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): Tracking Number [Redacted] |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10177793 | [Redact] | [Redact] | 36172122 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Non-US Citizenship evidence document is missing in the file Guidelines require Applicant must present either an unexpired [Redacted] card or temporary [Redacted] stamp on an unexpired foreign passport. | Reviewer Comment (2026-04-02): Received. Seller Comment (2026-04-01): valid work [Redacted] |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10177793 | [Redact] | [Redact] | 36172138 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Verification of Non-US Citizen Status documentation was not provided. Guidelines require: Applicant must present either an unexpired[Redacted] card or temporary [Redacted] stamp on an unexpired foreign passport. | Reviewer Comment (2026-04-02): Received. Seller Comment (2026-04-01): work visa provided |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10177793 | [Redact] | [Redact] | 36176490 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 03/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10177794 | [Redact] | [Redact] | 35902452 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): Note [Redacted] tracking# [Redacted] |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10177794 | [Redact] | [Redact] | 36038823 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Provide a copy of evidence of access to funds for account #[Redacted]. Unable to determine borrowers have access to the funds and the percentage of funds eligible to be used for the business account. | Reviewer Comment (2026-03-24): Received updated 1003 and 1008, #[Redacted] business account is not used for qualification per the updated 1003. Reserves and funds for closing are met. Exception cleared. Seller Comment (2026-03-23): revised 1003\1008 with account #[Redacted], no needed for reserves as per previous comment Reviewer Comment (2026-03-18): In the final 1003, the funds from the #[Redacted] account are used for closing; however, evidence of access to business funds is required for the #[Redacted] account. Exception Remains Seller Comment (2026-03-18): funds from [Redacted] account #[Redacted] is not needed for reserves calculations. [Redacted] acct#[Redacted] $[Redacted] ([Redacted] current balance) doc [Redacted]and [Redacted] account #[Redacted] $[Redacted] & $[Redacted] ([Redacted] current balance) doc [Redacted] totals $[Redacted] available. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10177963 | [Redact] | [Redact] | 35906069 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177965 | [Redact] | [Redact] | 35906134 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10177967 | [Redact] | [Redact] | 35906135 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10177967 | [Redact] | [Redact] | 36058674 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. | Reviewer Comment (2026-03-18): Verified and associated Hazard Insurance Policy. Exception Cleared. |
03/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10177967 | [Redact] | [Redact] | 36058733 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided | Reviewer Comment (2026-03-18): Verified and associated Hazard Insurance Policy. Exception Cleared. Seller Comment (2026-03-18): [Redacted] - [Redacted]: Please see attached. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10177973 | [Redact] | [Redact] | 35906140 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177966 | [Redact] | [Redact] | 35906142 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177966 | [Redact] | [Redact] | 36016538 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | 03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10179060 | [Redact] | [Redact] | 35922581 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179060 | [Redact] | [Redact] | 36100925 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. Please provide Supplement Report with policy amount. | 03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179060 | [Redact] | [Redact] | 36101150 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003 | 03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179050 | [Redact] | [Redact] | 35922585 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179050 | [Redact] | [Redact] | 36051919 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. | Reviewer Comment (2026-03-17): Certificate of deposit liquidated to open account. Condition cleared. Seller Comment (2026-03-17): [Redacted]: Please see the attached document showing the CD account [Redacted], for which we have three months of statements. In [Redacted], the CD matured and was transferred to a new account, [Redacted], which demonstrates that the asset has been seasoned as business assets. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10179103 | [Redact] | [Redact] | 35923096 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179246 | [Redact] | [Redact] | 35923270 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10179246 | [Redact] | [Redact] | 36148688 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179246 | [Redact] | [Redact] | 36148690 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The post-close CD disclosed a different initial escrow deposit than the final CD and the IEAD. | Reviewer Comment (2026-04-02): Received IEAD Seller Comment (2026-03-31): [Redacted]: Please see the attached // |
04/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10179247 | [Redact] | [Redact] | 35923271 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179247 | [Redact] | [Redact] | 36114315 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179247 | [Redact] | [Redact] | 36114481 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Copy of mortgage statements are not available. | Reviewer Comment (2026-04-02): Supporting docs provided to verify Mortgage was paid off. Exception cleared. Seller Comment (2026-04-01): [Redacted] - [Redacted] : The payment of $[Redacted] for [Redacted] BK [Redacted] was excluded due to the credit report confirming the mortgage had been paid in full. There is no mortgage statement to be provided. This mortgage was paid off when the borrower obtained the HELOC via [Redacted]. Seller Comment (2026-04-01): [Redacted] - [Redacted]: The payment of $[Redacted] for [Redacted] BK [Redacted] was excluded due to the credit report confirming the mortgage had been paid in full. There is no mortgage statement to be provided. This mortgage was paid off when the borrower obtained the HELOC via [Redacted]. Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Statement, Statement Reviewer Comment (2026-03-27): Received mortgage statement and HELOC agreement, closing checklist for $[Redacted] and $[Redacted]. Please provide the Mortgage statement from [Redacted] bank verifying $[Redacted]. Exception Remains. Seller Comment (2026-03-26): [Redacted] - [Redacted]: Please see attached. The borrower had recently obtained a HELOC via [Redacted], and the provided closing statement confirms a monthly payment of $[Redacted] |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10179651 | [Redact] | [Redact] | 35928391 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179682 | [Redact] | [Redact] | 35929184 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-13): (Rate Lock) [Redacted] |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10179682 | [Redact] | [Redact] | 36037078 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10026751 | [Redact] | 35929877 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Document does not have a pull date. Must be within [Redacted] days of closing. | Reviewer Comment (2026-02-05): Dated [Redacted] uploaded for the correct LLC Buyer Comment (2026-02-05): attached printout from [Redacted] site shows [Redacted] on the top left and shows status active. Reviewer Comment (2026-02-04): None of the documents provided are for the Borrowing Entity which is [Redacted]. Also, please note the original exception that notes the COGs in file for the Borrowing Entity does not have a pull date and must be within 120 days of closing. Buyer Comment (2026-02-03): [Redacted] GOOD STANDING Buyer Comment (2026-02-03): Good Standing |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106013 | [Redact] | 35930069 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The subject property housing mortgage statements with [Redacted] reflect a deferred balance. Provide the deferral/modification agreement. Must meet guidelines. | Reviewer Comment (2026-02-10): Per client confirmation on guidelines, mod agreement is only required if lates occurred. Mortgage statements do not reflect any [Redacted] day lates. Late charges are for paying past the first per each statement. Buyer Comment (2026-02-08): this is only required if delinquencies are notice. Guideline: A copy of the modification documents will be required if the mortgage history for said tradeline is either incomplete or has a derogatory history. Examples of modifications include (but are not limited to) |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106013 | [Redact] | 35930070 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The DOT reflects a PUD rider attached, however the appraisal does not reflect PUD or any HOA dues. Note: Title also reflects verbiage pertaining to an HOA. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
[Redact] [Redact] |
Reviewer Comment (2026-02-10): Client elects to waive with verified compensation factors Buyer Comment (2026-02-09): Please clear Reviewer Comment (2026-02-05): If the property is in a PUD, then the appraisal will need to be updated to reflect PUD and HOA dues. Buyer Comment (2026-02-05): see attached Buyer Comment (2026-02-05): see attached and provide resolution. |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10179785 | [Redact] | [Redact] | 35930975 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179834 | [Redact] | [Redact] | 35931724 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-19): Tracking Number [Redacted] |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179834 | [Redact] | [Redact] | 36090799 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | Reviewer Comment (2026-03-26): Received 1040 Transcripts. Exception Cleared. Seller Comment (2026-03-25): Transcripts |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10180511 | [Redact] | [Redact] | 35938421 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10181342 | [Redact] | [Redact] | 35939233 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): (Rate Lock) [Redacted] |
04/28/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10181481 | [Redact] | [Redact] | 35939987 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-27): Waived on Rate Lock: Collateral cleared by Custodian |
03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10181481 | [Redact] | [Redact] | 36103417 | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided | Appraisal Transfer Letter not provided. | Reviewer Comment (2026-04-02): Appraisal with Lender name corrected. Exception cleared. Seller Comment (2026-03-31): [Redacted]: Please see attached document. Reviewer Comment (2026-03-26): Appraisal dated [Redacted] is showing '[Redacted]', since the lender name is not matching appraisal transfer letter is required. Exception Remains. Seller Comment (2026-03-25): /[Redacted]: Please review the attached loan application, which lists [Redacted] as the Loan Originator. [Redacted] is the lender that submitted the loan to [Redacted], and they are the brokerage we are collaborating with. Therefore, this should not be considered a transferred appraisal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10181481 | [Redact] | [Redact] | 36103638 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10181481 | [Redact] | [Redact] | 36103639 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 35939990 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36164260 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172795 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received CD verified mortgage amount, tax and insurance is not escrowed please provide the tax verification and insurance verification. Exception Remains. Seller Comment (2026-04-01): [Redacted]: Please see attached CD. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172796 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received CD verified mortgage amount, tax and insurance is not escrowed please provide the tax verification and insurance verification. Exception Remains. Seller Comment (2026-04-01): [Redacted]: Please see attached CD. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172797 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared. Seller Comment (2026-04-01): [Redacted]: Please see attached approval letter. Loan has not yet been closed with [Redacted] but qualified off conservative PITIa. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172798 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared. Seller Comment (2026-04-01): [Redacted]: Please see attached CD. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172799 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared. Seller Comment (2026-04-01): [Redacted]: Please see attached CD. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172800 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared. Seller Comment (2026-04-01): [Redacted]: Please note that this loan is currently in the process of closing and still approved with conditions with [Redacted]. Please see the attached approval letter. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181477 | [Redact] | [Redact] | 36172801 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared. Seller Comment (2026-04-01): [Redacted]: Please note that this loan is currently in the process of closing and still approved with conditions with [Redacted]. Please see the attached approval letter. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 35939991 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098370 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. Seller Comment (2026-03-24): [Redacted]- [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098375 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098392 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Insurance Verification and Tax Verification. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure, Insurance Verification, Tax Verification for the property. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]KJ: Please see the attached tax bill and HOI policy Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see the attached tax bill and HOI policy Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098406 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Insurance Verification, Statement and Tax Verification. | Reviewer Comment (2026-04-02): CD provided. Exception cleared. Seller Comment (2026-04-01): [Redacted] - [Redacted]: Please see the attached Final CD for the recent refinance via [Redacted]loan #[Redacted]. Reviewer Comment (2026-03-31): Received Tax Verification and Insurance Verification However, Required Mortgage Statement, Closing Disclosure or First payment letter for REO property"[Redacted]". confirming the P&I amount of $[Redacted]'. Exception remains. Seller Comment (2026-03-30): [Redacted] - [Redacted]: Please see attached. Reviewer Comment (2026-03-24): Insurance verification, mortgage statement, and tax verification for the property located at [Redacted] have not been provided. Exception Remains. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098417 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098428 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098430 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098435 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared. Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted] , which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted]. Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan # [Redacted]has not closed. |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098443 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared. Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted], which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted]. Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted] has not closed. |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098446 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared. Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted], which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted]. Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted] has not closed. The property is currently free and clear. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted]has not closed. The property is currently free and clear. |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10181482 | [Redact] | [Redact] | 36098550 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10181525 | [Redact] | [Redact] | 35940579 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-20): (Rate Lock) Collateral delivered today. Tracking [Redacted]. Thank! |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194340 | [Redact] | [Redact] | 35946357 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194340 | [Redact] | [Redact] | 36103001 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194334 | [Redact] | [Redact] | 35946363 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10194334 | [Redact] | [Redact] | 36181879 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-03-31): Client elected to waive the condition on the Non-QM 1st lien |
03/31/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10194334 | [Redact] | [Redact] | 36181882 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-04-06): [Redacted] received [Redacted] CD received 3 business days prior to consummation. Seller Comment (2026-04-03): Please see attached closing disclosure and trid history Reviewer Comment (2026-04-03): [Redacted] received CD dated [Redacted] from different property address. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower 3 business days prior to review. Seller Comment (2026-04-02): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. Reviewer Comment (2026-04-02): [Redacted] received rebuttal comment but there seems to be no new CD is uploaded in trailing docs. Please provide copy of CD to re-review the exception. Seller Comment (2026-04-01): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10194334 | [Redact] | [Redact] | 36191436 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |
03/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10194341 | [Redact] | [Redact] | 35946672 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-13): Tracking Number [Redacted] |
03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10194605 | [Redact] | [Redact] | 35947914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10194985 | [Redact] | [Redact] | 35948665 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-25): You received collateral docs today, [Redacted]- Tracking # [Redacted] |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10194985 | [Redact] | [Redact] | 36100135 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-03-19): Client elected to waive the condition on the Non-QM 1st lien |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 35957190 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109498 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA. Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109535 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redact] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-25): Disclosure provided Seller Comment (2026-03-23): Please see attached |
03/25/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109536 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-03-25): Disclosure provided Seller Comment (2026-03-23): [Redacted] Please see attached |
03/25/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109538 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109558 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] due to missing Final CD from [Redacted]. | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA. Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36109564 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA. Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36110038 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final CD/First Payment Letter not provided. | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA. Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10195792 | [Redact] | [Redact] | 36110262 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA. Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] |
03/25/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10195789 | [Redact] | [Redact] | 35957191 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian |
03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10195789 | [Redact] | [Redact] | 36083179 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-20): Received Appraisal Package and e-sign tracking with proof that both borrowers. Exception cleared. Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted]and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10195789 | [Redact] | [Redact] | 36083180 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-20): Received Appraisal Package and e-sign tracking with proof that both borrowers. Exception cleared. Reviewer Comment (2026-03-19): Required appraiser notice or proof of delivery for appraisal . Exception remains. Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10195786 | [Redact] | [Redact] | 35957209 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10196514 | [Redact] | [Redact] | 35958488 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10196514 | [Redact] | [Redact] | 36159221 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10196514 | [Redact] | [Redact] | 36170068 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing the YTD pay stub or the full WVOE to verify the borrower's income. | Reviewer Comment (2026-03-31): Received YTD Paystubs. Exception cleared. Seller Comment (2026-03-30): (Rate Lock) Paystubs attached. |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10196856 | [Redact] | [Redact] | 35961190 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10196856 | [Redact] | [Redact] | 36098679 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Reviewer Comment (2026-03-19): Client elected to waive the condition on the Non-QM 1st lien |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10196901 | [Redact] | [Redact] | 35961484 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-24): attached |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10196901 | [Redact] | [Redact] | 36102344 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10196903 | [Redact] | [Redact] | 35961712 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-30): note [Redacted] tracking: [Redacted] |
03/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10196903 | [Redact] | [Redact] | 36159151 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-29): Client elected to waive the condition on the Non-QM 1st lien |
03/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10196903 | [Redact] | [Redact] | 36159152 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-04-02): Seller requests buyer review: OK to waive per CNR Reviewer Comment (2026-03-31): Elevated to the client for review Seller Comment (2026-03-30): please see attached business purpose certs |
04/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10198794 | [Redact] | [Redact] | 35969182 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-24): Please see attached collateral package with shipping number. |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10198798 | [Redact] | [Redact] | 35969364 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): Tracking Number [Redacted] |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10200228 | [Redact] | [Redact] | 35975517 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-03): (Rate Lock) [Redacted] |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 35985031 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091280 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091315 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091327 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091340 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 12 months Business Bank Statements from month ending [Redacted]through [Redacted] not provided. | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared. Seller Comment (2026-03-24): [Redacted]- [Redacted]: Please see attached. Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. |
03/24/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091341 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10200291 | [Redact] | [Redact] | 36091481 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10200290 | [Redact] | [Redact] | 35985136 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-03): (Rate Lock) tracking info |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10200290 | [Redact] | [Redact] | 36207523 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-04-01): Sufficient Cure Provided within 60 Days of Closing |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10200290 | [Redact] | [Redact] | 36207547 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 04/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10200290 | [Redact] | [Redact] | 36217145 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. | 04/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10201305 | [Redact] | [Redact] | 35993551 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10201298 | [Redact] | [Redact] | 35993675 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-24): Note [Redacted] tracking# [Redacted] |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10201298 | [Redact] | [Redact] | 36103719 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-03-20): Client elected to waive the condition on the Non-QM 1st lien |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10201298 | [Redact] | [Redact] | 36136111 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Upon further review, the file was missing documentation to verify the $[Redacted] other expenses for the REO. It appears these are HOA dues, but the file was missing documentation to confirm. | Reviewer Comment (2026-03-27): Received and associated updated 1003. Exception cleared. Seller Comment (2026-03-26): apologies, our system wasn't updated to the $[Redacted] HOA amount. revised 1003 attached with the corrections Reviewer Comment (2026-03-25): HOA verification is considered, however we have remaining expenses balance of $[Redacted]. Please provide the documentation for these expenses. Exception Remains. Seller Comment (2026-03-24): Please see attached HOA doc for REO [Redacted] |
03/27/2026 | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||||
| [Redact] | 10201340 | [Redact] | [Redact] | 35993882 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10201340 | [Redact] | [Redact] | 36084724 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10202571 | [Redact] | [Redact] | 36000473 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10206521 | [Redact] | [Redact] | 36039408 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10206521 | [Redact] | [Redact] | 36103422 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-03-20): Client elected to waive the condition on the Non-QM 1st lien |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10206521 | [Redact] | [Redact] | 36103425 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10206521 | [Redact] | [Redact] | 36103426 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10206555 | [Redact] | [Redact] | 36042136 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): Collateral delivered on [Redact] via [Redact] tracking number [Redact] |
04/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207043 | [Redact] | [Redact] | 36047927 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10207043 | [Redact] | [Redact] | 36103741 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance and Tax Verification for [Redacted]. not provided. | Reviewer Comment (2026-03-24): Received Tax Verification and Insurance Verification. Exception Cleared. Seller Comment (2026-03-23): REO Docs |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10217186 | [Redact] | [Redact] | 36102382 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-16): (Rate Lock) [Redacted] |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10217620 | [Redact] | [Redact] | 36110225 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 9984615 | [Redact] | 36163101 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | As per UW comments it shows that the actual leases were used. However, no lease agreement available in file. Please provide lease agreement for the subject property. | Reviewer Comment (2026-02-25): Lease agreement for the subject property received. Exception cleared. Buyer Comment (2026-02-25): Prior and present lease agreement |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9984615 | [Redact] | 36163102 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is required as per guide. | Reviewer Comment (2026-02-25): Executed and notarized Business Purpose Certificate received. Exception cleared. Buyer Comment (2026-02-25): Business purpose affidavit |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9984615 | [Redact] | 36163103 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter required as per guide. | Reviewer Comment (2026-02-25): Received Closing Protection Letter. Exception cleared Buyer Comment (2026-02-25): Closing protection letter |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9984615 | [Redact] | 36163104 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization missing and is required. | Reviewer Comment (2026-02-25): Received LOE for Cash-Out Utilization. Exception cleared Buyer Comment (2026-02-25): Cash out letter |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9984615 | [Redact] | 36163105 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower currently stays on rent on primary property and payment history is missing for the same. For rental verification a standard VOR completed by a professional management company or 12 months bank statements or canceled checks and a lease agreement to document the term and payment are required. |
Reviewer Comment (2026-02-27): Received bank statement evidencing the rental payments made from [Redacted] - [Redacted]. Exception cleared Buyer Comment (2026-02-26): Missing months pay history Reviewer Comment (2026-02-25): Received Lease agreement and D1C asset confirming rental payment for [Redacted], [Redacted] and [Redacted], [Redacted] and [Redacted] [Redacted] however as per guide, For rental verification a standard VOR completed by a professional management company or 12 months bank statements or canceled checks and a lease agreement to document the term and payment are required. Hence provide either cancelled checks or bank statement for [Redacted] and [Redacted] and [Redacted] to evidence the rental payment. Exception remains. Buyer Comment (2026-02-25): Lease and transactions verifying rental history |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9984615 | [Redact] | 36163106 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Appraisal shows that the subject is Owner occupied which casts doubt on the business purpose of the loan. Require updated Appraisal to reflect correct occupancy. | Reviewer Comment (2026-02-25): Received form 442 confirming property is tenant occupied. Exception cleared. Buyer Comment (2026-02-25): Completion cert from appraiser confirming tenant occupied |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | No | |||||||||||
| [Redact] | 10139385 | [Redact] | 36163109 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The sale Price $[Redacted] is not reflecting on the Purchase Agreement / Sales Contract available hence require an updated Purchase Agreement / Sales Contract with required sale price. | Reviewer Comment (2026-03-05): Received Sales contract addendum for purchase price as the terms on the original contract were rejected by the seller. Exception cleared. Buyer Comment (2026-03-04): Amended sales contract signed by all parties Reviewer Comment (2026-03-03): Received sales contract addendum for the change in the purchase price however purchase contract is missing with the seller's signature as an acceptance to the terms on the contract. Exception remains. Buyer Comment (2026-02-27): Purchase contract amendment with purchase price |
03/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139385 | [Redact] | 36163110 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Copy of security instrument is not stamped true and certified and required as per guide. Also, County name on security instrument is reflecting as [Redacted] however full county name should be mentioned as '[Redacted]' hence require updated security instrument. Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-03-03): Received Security Instrument with true and certified copy and recorded copy. Exception cleared. Buyer Comment (2026-02-27): [Redacted] affidavit correcting county Buyer Comment (2026-02-27): Copy of recorded mortgage |
03/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139385 | [Redact] | 36163111 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement is required for utilization of trust funds for the acc #[Redacted]. | Reviewer Comment (2026-03-03): Received Trust agreement confirming the trustees on the trust for funds utilization from trust account. Exception cleared. Buyer Comment (2026-03-02): Trust certification |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139385 | [Redact] | 36163112 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted]. | Reviewer Comment (2026-02-25): Consolidated into one exception.. Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted]. Buyer Comment (2026-02-25): Is this a duplicate exception |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139385 | [Redact] | 36163113 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement is required for utilization of trust funds for the acct #[Redacted]. | Reviewer Comment (2026-02-25): Consolidated into one exception.. Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted]. Buyer Comment (2026-02-25): Is this a duplicate exception |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10151252 | [Redact] | 36163115 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Borrower must have a minimum of 12 months ownership and management of income producing residential or commercial real estate within the past 24 months. REO properties are given on Fraud report however unable to identify the occupancy. Require additional documents to confirm the borrower's investor experience. |
Reviewer Comment (2026-03-03): Received Letter confirming the borrower is the owner and property is been rented for $[Redacted]. Exception cleared. Buyer Comment (2026-03-02): LOX |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10151252 | [Redact] | 36163116 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Properties listed for sale are ineligible for refinance unless the listing was withdrawn (or expired) [Redacted] months prior to the date of closing. however as per appraisal report property was listed multiple times between [Redacted] - [Redacted] unable to determine the date listing was withdrawn. | Reviewer Comment (2026-03-03): Received detailed explanation confirming the listing was done by the previous owner and borrower did not list the property after purchasing. Exception cleared. Buyer Comment (2026-03-02): see lox |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10155277 | [Redact] | 36163119 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report required for Borrower, [Redact]. | Reviewer Comment (2026-03-06): Received Fraud Report For Borrower. Exception Cleared Buyer Comment (2026-03-05): fraud report |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10155277 | [Redact] | 36163121 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower current address is [Redacted], No History Provided-missing fraud report | Reviewer Comment (2026-03-09): Received the updated credit report including housing history. Buyer Comment (2026-03-05): per lender: Fraud Report uploaded. Primary residence is with [Redacted], on credit report. |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10202442 | [Redact] | 36163125 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-02-17): cleared |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10202442 | [Redact] | 36163126 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report for the entity "[Redacted]" and the borrower "[Redacted]" is missing in file. | Reviewer Comment (2026-02-19): Received Fraud Report for both borrower and entity. Exception Cleared Buyer Comment (2026-02-19): Business Fraud report Buyer Comment (2026-02-19): Fraud report |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10202442 | [Redact] | 36163127 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC report for the entity and borrower is missing in file. | Reviewer Comment (2026-02-18): Received OFAC for borrower and business entity. Exception Cleared Buyer Comment (2026-02-17): OFAC |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10202442 | [Redact] | 36163130 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | State on flood certificate is reflecting as [Redacted] instead of [Redacted]. Provide corrected flood cert with updated state. | Reviewer Comment (2026-02-18): Received Flood Cert with Correction In Property state. Exception Cleared Buyer Comment (2026-02-17): Updated flood |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10202442 | [Redact] | 36163133 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Letter of explanation / source of funds / deposit for all large deposit reflecting on the bank statement. ($[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] vs [Redacted] | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-20): Cleared - The LOE provided is sufficient to meet the guideline requirement. "Large deposits, defined as a single deposit that exceeds five (5) percent of the loan amount, require a LOE. If the LOE is sufficient, no sourcing is required. If the LOE is insufficient and the funds cannot be sourced, the deposit must be subtracted from asset amount." Reviewer Comment (2026-03-10): Per client, Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-03-10): DSCR v12 new [Redacted] #[Redacted] Buyer Comment (2026-03-10): Loan moving to [Redacted], sourcing of large deposits not required. Buyer Comment (2026-03-06): LOE Reviewer Comment (2026-02-23): Provided LOX is from Underwriter, however as per guide, a signed letter of explanation from the Borrower is required for all large deposit reflecting on the bank statement. Exception Remains Buyer Comment (2026-02-20): LOX |
03/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10202442 | [Redact] | 36163134 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Required verification of housing history for [Redacted] #[Redacted] #[Redacted] and [Redacted] #[Redacted] verifying until [Redacted] payment. Look back date is [Redacted]. DLA for [Redacted] #[Redacted] is [Redacted] and for [Redacted] #[Redacted] is [Redacted] and [Redacted] is [Redacted]. | Reviewer Comment (2026-02-20): Received credit supplement confirming mortgages with [Redacted] #[Redacted]#[Redacted]and [Redacted] #[Redacted] are paid until [Redacted]. Meets guide requirement of 45 days look back date. Exception cleared. Buyer Comment (2026-02-19): pay history |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10202442 | [Redact] | 36163135 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Borrower is refinancing Privately held mortgage and as per guide, Refinancing a privately held mortgage the following payment verification requirements apply: o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account). |
Reviewer Comment (2026-02-18): VOM Noted there is no payment required to be made until loan is paid off therefore no payment verification require. Exception Cleared Buyer Comment (2026-02-17): VOM |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10106046 | [Redact] | 36191405 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is provided for Gurantor [Redacted]'s lease is month to month and Gurantor [Redacted]'s lease expires in less than [Redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redact] | Reviewer Comment (2026-01-13): Client elects to waive with verified compensation factors |
01/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10106046 | [Redact] | 36191406 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Document in file is > 120 days old. | Reviewer Comment (2026-02-10): Per client email confirmation, [Redacted] does not consider this document a credit document to be dated within 120 days of closing. Buyer Comment (2026-02-06): A letter of tax clearance in [Redacted] is an official document issued by the [Redacted] Comptroller of Public Accounts confirming that a business entity has paid all required state franchise taxes, penalties, and interest. It is primarily used to restore a business to "good standing" after its right to transact business has been forfeited or involuntarily terminated by the Secretary of State. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106046 | [Redact] | 36191407 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The Guarantor Agreement lists [Redacted] on page [Redacted], however the agreement is not signed by this individual. | Reviewer Comment (2026-02-10): Signed Guarantor Agreement provided Buyer Comment (2026-02-06): Attached |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106046 | [Redact] | 36191408 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Note + addendums, DOT + Riders, Business Purpose Cert and Occupancy Cert are not executed by [Redacted]. All documents list a signature line for this individual. | Reviewer Comment (2026-02-10): Documents executed by [Redacted] provided. Buyer Comment (2026-02-09): Please see attached |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10153951 | [Redact] | 36262978 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |
02/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10153951 | [Redact] | 36262979 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | VOR for current property completed by landlord, therefore 12 months bank statement and lease agreement required as per guideline, file only has 12 months bank statement history, please provide lease agreement. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] years [Redacted] vs [Redacted] |
[Redact] [Redact] Aggregator,[Redact] [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-19): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-03-19): investor exception approval Reviewer Comment (2026-03-10): received lease agreement that is expired on [Redacted]. Also the clause states if the tenants wants to extend the lease they need to inform 2 months in advance however there is no clause on the agreement pertaining to lease been continued on a month-to-month basis after expiry. Provide updated agreement with the month-to-month clause after expiry or an unexpired lease agreement. Exception remains. Buyer Comment (2026-03-09): Lease agreement. Per seller is now month to month. Reviewer Comment (2026-03-03): Same VOR provided. File only has 12 months bank statement history, please provide lease agreement. Exception remains Buyer Comment (2026-03-02): LOE for February payment explaining lowered rent in exchange for tenant repair on property Buyer Comment (2026-03-02): Property detail and VOR Buyer Comment (2026-03-02): Transaction history |
03/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10153951 | [Redact] | 36262980 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | -Required one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. |
Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] years [Redacted] vs [Redacted] |
[Redact] [Redact] Aggregator,[Redact] [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-06): Lender Exception with Compensating Factors provided. Buyer Comment (2026-03-04): investor exception approval |
03/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10213385 | [Redact] | 36262983 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument in file is missing " true and certified stamped copy of the original recorded". | Reviewer Comment (2026-03-03): Cleared based on client directive. |
03/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10213385 | [Redact] | 36262985 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was provided [Redacted] but missing evidence of receipt within 3 days of closing was not provided. Waiver not provided. | Buyer Comment (2026-03-13): Acknowledged non material EV2 Reviewer Comment (2026-03-13): Appraiser Name [Redacted] - Primary Appraisal report date is [Redacted] which is on the note date [Redacted]. Provide Prior appraisal report for [Redacted] (appraiser) which is more than 3 days prior to the note date along with delivery instructions. Exception remains. Buyer Comment (2026-03-12): Appraisal delivery |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262986 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was provided [Redacted] but missing evidence of receipt within 3 days of closing was not provided. Waiver not provided. | Buyer Comment (2026-03-13): Acknowledged non material EV2 Reviewer Comment (2026-03-13): Appraiser Name [Redacted] - Primary Appraisal report date is [Redacted] which is on the note date [Redacted]. Provide Prior appraisal report for [Redacted] (appraiser) which is more than 3 days prior to the note date along with delivery instructions. Exception remains. Buyer Comment (2026-03-12): Appraisal delivery |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared Buyer Comment (2026-03-18): See upload [Redacted]. |
03/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262989 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-19): Received Corrected Initial escrow disclosure. Exception Cleared Buyer Comment (2026-03-17): CD Buyer Comment (2026-03-17): IEADS |
03/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262990 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-03-13): Homeowner Counseling disclosure receive, Exception Cleared Buyer Comment (2026-03-12): [Redacted] |
03/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10213385 | [Redact] | 36262991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared Buyer Comment (2026-03-18): See upload [Redacted]. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262992 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A business narrative is required from the borrower to describe the type of business and number of employees, however borrower signature is missing in business narrative. | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared Buyer Comment (2026-03-18): Attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10213385 | [Redact] | 36262993 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-30): cleared Buyer Comment (2026-03-30): [Redacted] agrees with value |
03/30/2026 | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| [Redact] | 10201294 | [Redact] | [Redact] | 36263005 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Appraisal property type of ___ does not match Guideline property type of ___. | Appraisal report images reflects [Redacted], however as per guide Farms/Working farms are ineligible property type. Review for acceptability. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-03): Per client no exception was required and property was accepted as is. Issue has been cleared. Reviewer Comment (2026-04-03): Re-open Reviewer Comment (2026-03-10): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-03-09): [Redacted] accepts the subject property. Buyer Comment (2026-03-09): Please move the loan to [Redacted] . Non QM V13 Reviewer Comment (2026-03-05): Waiting on approval to move loan. Buyer Comment (2026-03-03): Loan will be moving to [Redacted] Buyer Comment (2026-03-03): investor exception approval |
04/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||
| [Redact] | 10201294 | [Redact] | [Redact] | 36263006 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage | Title report reflects "[Redacted]". All credit docs in file reflect "[Redacted]", all credit docs to be updated to match title or title to be changed or client to accept as is. | Reviewer Comment (2026-03-03): Title supplement is provided with correct subject City name. Exception Cleared Buyer Comment (2026-03-02): title supp |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10201294 | [Redact] | [Redact] | 36263009 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated [Redacted]. Provide earlier dated e-consent. | Reviewer Comment (2026-03-02): [Redacted] received earliest E-Consent dated [Redacted]. Buyer Comment (2026-02-27): Econsent |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10201294 | [Redact] | [Redact] | 36263011 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): Investor accepts value. Buyer Comment (2026-03-23): [Redacted] accepts value |
03/23/2026 | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10155362 | [Redact] | 36295664 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-03-02): Flood Certificate received. Buyer Comment (2026-02-26): Flood certificate |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10155350 | [Redact] | 36295670 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved exception for 1 Non- Signing member with [Redacted]% equity to sign the corporate resolution via [Redacted]. Compensating factors: Credit score is [Redacted], LTAIV is [Redacted]%. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last [Redacted] months): # of Renovation Projects Completed ([Redacted] and [Redacted]): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination |
02/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155350 | [Redact] | 36295671 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD is missing on file. | Reviewer Comment (2026-02-20): Received Final HUD-1 Buyer Comment (2026-02-20): Final HUD |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10179399 | [Redact] | 36416681 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-03-19): Rate lock received and captured in file; Exception cleared. Buyer Comment (2026-03-18): Uploaded |
03/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10179399 | [Redact] | 36416684 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan discount fee increased on CD dated[Redacted], with no valid change or evidence of a cure provided. | Reviewer Comment (2026-03-20): [Redacted] received updated LE and valid change circumstance. Buyer Comment (2026-03-18): Uploaded |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10179399 | [Redact] | 36416685 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax fee increased on CD dated [Redacted], Cure of $[Redacted] was not sufficient for all of the tolerance violations. | Reviewer Comment (2026-03-20): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-03-18): Uploaded LE and COC [Redacted]. Cure of $[Redacted] will cover the transfer tax. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10179399 | [Redact] | 36416687 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |
03/20/2026 | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10179399 | [Redact] | 36416688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | LE dated [Redacted] not received by borrower at least four (4) business days prior to closing. The consummation took place on [Redacted], and the timeline dictates that any LE must be received (Section 1026.19(e)(4)(ii) also requires that the consumer must receive...) by the borrower no later than [Redacted]. While the LE was issued on [Redacted], per the signature date on the document it was not received until [Redacted]. The [Redacted] received date is also supported by document [Redacted] in the loan file. Because the document was not received until [Redacted] it does not meet the 4-day requirement and the exception is valid. |
Reviewer Comment (2026-03-31): Received the updated wet singed LE. Buyer Comment (2026-03-31): Uploaded |
03/31/2026 | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10179317 | [Redact] | 36416693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The final CD dated [Redacted] non-escrowed property cost is blank on page [Redacted]; Although there is a monthly HOA payment of $[Redacted], which is not escrowed. | Reviewer Comment (2026-03-31): [Redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-03-31): uploaded |
03/31/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10179317 | [Redact] | 36416694 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416698 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Interested party contribution of $[Redacted] exceeds [Redacted]% guideline ($[Redacted]). Reduced sales price and appraised value by the difference ($[Redacted]) causing LTV to exceed guidelines. | Reviewer Comment (2026-03-24): See IPC excessive contribution exception,accepted and waived by investor. . Buyer Comment (2026-03-24): Uploaded |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10179404 | [Redact] | 36416699 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Interested party contribution of $[Redacted] exceeds [Redacted]% guideline ($[Redacted]). Reduced sales price and appraised value by the difference ($[Redacted]) causing CLTV to exceed guidelines. | Reviewer Comment (2026-03-24): See IPC excessive contribution exception,accepted and waived by investor. . Buyer Comment (2026-03-24): Uploaded |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10179404 | [Redact] | 36416700 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. Buyer Comment (2026-03-16): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. |
03/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416701 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. |
03/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416702 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. Buyer Comment (2026-03-16): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. |
03/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416703 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-20): Appraisal delivery received in file; Exception cleared. Buyer Comment (2026-03-19): Uploaded Reviewer Comment (2026-03-18): Appraisal delivery to borrower for report dated [Redacted] is missing in file; Exception remains. Buyer Comment (2026-03-17): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416704 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416705 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. | Reviewer Comment (2026-03-20): Appraisal delivery received in file; Exception cleared. Buyer Comment (2026-03-19): Uploaded Reviewer Comment (2026-03-18): Appraisal delivery to borrower for report dated [Redacted] is missing in file; Exception remains. Buyer Comment (2026-03-17): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179404 | [Redact] | 36416708 | Credit | Guideline | Guideline Issue | Guideline | The Borrower's minimum contribution was not met, per guidelines. | LTV: ___; Purpose: ___; Percent of Borrower's Contribution: ___ |
Guide max IPC if [Redacted]%, actual IPC on final CD was [Redacted]% | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] vs [Redacted] | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-24): Investor accepts and agrees to waive with compensating factors. |
03/24/2026 | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10179506 | [Redact] | 36416718 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179506 | [Redact] | 36416719 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-03-26): Loan estimate with rate lock as "Yes" dated [Redacted] has been captured. Exception cleared. Buyer Comment (2026-03-25): Loan Estimate Dcoument [Redacted] shows the rate lock which is acceptable. |
03/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228343 | [Redact] | 36486575 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Reviewer Comment (2026-01-28): Received Initial Disclosure shows Disclosure were sent on [Redacted]. Exception Cleared Buyer Comment (2026-01-27): Please see uploaded Upfront cover page and consent log showing disclosures sent out [Redacted]. Reviewer Comment (2026-01-22): Provided Tracking does not support Business Affiliated disclosure sent to borrower. it does not specified. Provide Copy sent on [Redacted]. Exception Remains Buyer Comment (2026-01-20): Please see uploaded tracking showing disclosures were mailed on [Redacted]. |
01/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10228343 | [Redact] | 36486576 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date. | Reviewer Comment (2026-01-28): Received Initial Disclosure shows Disclosure were sent on [Redacted]. Exception Cleared Buyer Comment (2026-01-27): Upfront cover page and consent log showing disclosures sent out [Redacted]. Reviewer Comment (2026-01-22): Provided Tracking does not support Homeownership Counseling disclosure sent to borrower. it does not specified. Provide Copy sent on [Redacted]. Exception Remains Buyer Comment (2026-01-20): See attached tracking showing disclosures were mailed [Redacted] |
01/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10228348 | [Redact] | 36486580 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence the appraisal was provided to the borrower at least three (3) business days prior to closing. | Buyer Comment (2026-01-30): Acknowledged non material EV2 Reviewer Comment (2026-01-30): Borrower Confirmed Receipt of appraisal on [Redacted] whereas appraisal report dated [Redacted]. provide original appraisal report for review. Exception Remains Buyer Comment (2026-01-29): appraisal receipt form |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10228349 | [Redact] | 36486584 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] Or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-03): Received replacement cost estimate. Exception cleared Buyer Comment (2026-02-02): Replacement cost estimator |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10228345 | [Redact] | 36486589 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Required Free & Clear documentation for REO property at [Redacted]. | Reviewer Comment (2026-02-19): Satisfaction of mortgage is provided in file. Exception Cleared Buyer Comment (2026-02-19): satisfaction of mortgage |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228345 | [Redact] | 36486590 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 is not signed by LO or borrowers. | Buyer Comment (2026-02-23): Acknowledged non material EV2 Buyer Comment (2026-02-23): Per Lender: "Loan originally came in as a different product and switched to [Redacted]. We redisclosed but did not get the updated initial 1003 signed by the LO and borrower. We have the updated 1003 (unsigned) and also signed (post closing). Please let me know what we can do to clear this condition. Thank you, [Redacted]" Reviewer Comment (2026-02-23): We did not receive the document. Borrower and LO executed Initial 1003 is still missing. Exception remains Buyer Comment (2026-02-20): 1003 Reviewer Comment (2026-02-19): Received 1003 which is Signed by borrower post closing, Require initial Application 1003 signed by borrower and LO. Exception Remains Buyer Comment (2026-02-18): Signed 1003 |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228345 | [Redact] | 36486592 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Provided HOI policy of subject property reflects incorrect zip code, required updated HOI policy with correct zip code. | Reviewer Comment (2026-02-09): Received Updated HOI Policy with updated zip code. Exception cleared Buyer Comment (2026-02-09): hoi |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228345 | [Redact] | 36486593 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Required satisfactory letter of explanation for housing history of property [Redacted], as property been marked as Free & Clear in 1003 but HOI policy reflects mortgagee clause, [Redacted]. | Reviewer Comment (2026-02-20): Received Evidence of Free and clear confirmed paid off Mortgage lien. Exception Cleared Buyer Comment (2026-02-19): satisfaction of mortgage Reviewer Comment (2026-02-13): Provided HOI is for subject property, required Free & Clear document for REO property [Redacted]. Exception remains Buyer Comment (2026-02-12): Amended HOI 1st mtg deleted |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228350 | [Redact] | 36486594 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. | - | Wage Income is qualified by Average Monthly Income and Bonus Income by [Redacted] Year Average Income(YTD [Redacted]and YTD [Redacted]) hence require two years Tax Transcripts | Reviewer Comment (2026-02-25): Received 1040 transcripts for year [Redacted] and [Redacted] since transcripts for year [Redacted] are not available. Considered [Redacted] years for [Redacted] and [Redacted]. Exception cleared. Buyer Comment (2026-02-25): [Redacted] -[Redacted]IRS transcripts Reviewer Comment (2026-02-17): Guide states Tax returns are not required for wages income, but IRS tax transcripts must align to the income being used to qualify. However, bonus income is being used for [Redacted] year average, required [Redacted] years transcript for year [Redacted]-[Redacted]. Exception remains Buyer Comment (2026-02-17): VOE Buyer Comment (2026-02-17): Lender's rebuttal: Please clarify which guideline you are quoting. Per section 6.4 tax returns not required for a wage earner, we are only required to provide two years of W-2's and pay stubs. application date was [Redacted] We provided [Redacted] and [Redacted] W-2s and WVOE with YTD for [Redacted] which meets the guidelines |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228350 | [Redact] | 36486595 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated Hazard Insurance document for subject property with address reflecting as "[Redacted]" as in the current Hazard Insurance document the address reflects as "[Redacted]" | Reviewer Comment (2026-02-24): Revised HOI policy with updated address received. Exception cleared Buyer Comment (2026-02-24): updated dec page |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228350 | [Redact] | 36486597 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Buyer Comment (2026-02-17): Acknowledged non material EV2 Reviewer Comment (2026-02-13): Received Appraisal report with report date as [Redacted] and delivery instruction as of the Note date. Appraisal report date is [Redacted] which is within 3 day of the note date [Redacted]. Provide Prior appraisal report which is more than 3 days prior to the note date along with delivery instructions. Exception remains Buyer Comment (2026-02-13): Appraisal delivery letter to borrower |
02/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228350 | [Redact] | 36486599 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At Closing |
02/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10228350 | [Redact] | 36486600 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | Previous current address is[Redacted]-per 1003 rent free. LOE missing in file | Reviewer Comment (2026-02-25): Received Updated final 1003 with previous address corrected and Lease agreement with rental payment history for [Redacted] months. current housing history verified for [Redacted] months which meets the guide requirement for [Redacted] months history. Exception cleared. Buyer Comment (2026-02-25): I have provided a corrected 1003 showing the address as [Redacted] [Redact], further please consider the [Redacted] month rental history we provided as satisfactory. This is for a rate and turn and you more than a [Redacted] month living history, you have [Redacted] month mortgage history for the subject and the [Redacted] rental history we provided. Asking us to go back for another [Redacted] months of rental history seems to be unnecessary. Thanks so much Buyer Comment (2026-02-25): [Redacted] -[Redacted] IRS transcripts Reviewer Comment (2026-02-23): Received Lease agreement and pay history from [Redacted] - [Redacted] for [Redacted] months. Secondly address of the property leases reflects as [Redacted] and Final 1003 reflects as [Redacted]. Provide lease agreement for the property rented along with verification of rent for [Redacted] complete months. Exception remains Buyer Comment (2026-02-20): 1003 Buyer Comment (2026-02-20): LOX Buyer Comment (2026-02-20): Lender's comments: Borrower was contacted in reference to prior address [Redacted], he confirmed that he was not living rent free, we have provided an email from him and updated 1003. He only have access to the signed extension of the lease and he provided snap shot of the payment history that was still available to him |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228371 | [Redact] | 36486602 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated Qualifying Rental income is different than Lender qualifying Rental income as per final 1003 and 1008 for REO properties [Redacted] & [Redacted] due to this variance in Rental Income there is variance in DTI and there is a DTI breach of more than [Redacted]% due to rental income variance details as given below :- 1. Lender Qualifying DTI is [Redacted]% as per 1008 however, clarity is reflecting DTI as [Redacted]% 2. [Redacted] - Lender has considered Rental income as $-[Redacted] and Calculated Income is = $-[Redacted] - Lender has considered Mortgage Interest as $[Redacted] however as per Schedule E Part-I document Mortgage Interest is reflecting as $[Redacted] due to which there is variance in rental Income. 3. [Redacted] - Lender has considered Rental income as $-[Redacted] and Calculated Income is = $-[Redacted] - Lender has considered Total expenses as $[Redacted] however as per Schedule E Part-I document total expenses are $[Redacted] due to which there is variance in rental income. |
Reviewer Comment (2026-02-25): 1003 and 1008 is provided with updated REO income also, updated UW provided for REO property [Redacted] (only considered [Redacted] year income for calculation). Exception Cleared Buyer Comment (2026-02-24): 1003 / 1008 Buyer Comment (2026-02-24): Schedule E Reviewer Comment (2026-02-20): Noted. Provided 1003 & 1008 does not match the income and DTI ratio of [Redacted]% as per doc [Redacted] also, required revised Schedule E analysis. Exception remains Buyer Comment (2026-02-19): per lender : [Redacted] follows FNMA for rental income so only one year 1040s required; updated 1008 and 1003 in file as well as revised Sch E Analysis - under Internal - DTI is [Redacted]% |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10228355 | [Redact] | 36486610 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. | Lender considered HOA dues as $[Redacted]/month, however no supporting document received for this amount. As per 1004, HOA is $[Redacted]/month. Need HOA doc supporting HOA dues as $[Redacted]/month. Credit related. | Reviewer Comment (2026-02-24): 1004 Noted Recreation Due of [Redacted] monthly apart from $[Redacted]/monthly HOA. Variance is $[Redacted]/monthly within tolerance limit. Exception Cleared Buyer Comment (2026-02-20): From seller- It appears the HOA dues were overstated by $[Redacted], resulting in the $[Redacted] total. The appraisal text addendum on page [Redacted] shows a $[Redacted] monthly Recreation Fee in addition to the $[Redacted] quarterly HOA dues, for a combined total of $[Redacted]. Please let me know if any documentation needs to be corrected. |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228372 | [Redact] | 36486617 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | As per guidelines Borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage payments are eligible with a satisfactory letter of explanation. Primary property [Redacted] is free and clear. Letter of explanation required. Credit Related. | Reviewer Comment (2026-02-26): Guideline does not require LOX for paid off properties. Buyer Comment (2026-02-25): Lender's rebuttal: Request a Re-review: The guideline is intended for borrowers who live rent free, not for when they own their primary free and clear. Borrowers have [Redacted] mortgage tradelines reporting - all current, for their additional REO. This more than meets guidelines for mortgage history. Please Advise |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228373 | [Redact] | 36486629 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was sent to the borrower [Redacted] but we are missing evidence the borrower received it within 3 days of closing was not provided. Waiver not provided. | Buyer Comment (2026-02-25): Acknowledged non material EV2 Reviewer Comment (2026-02-25): Received delivery instructions for [Redacted]. However provided Appraisal report date is [Redacted] which is within[Redacted] day of the note date [Redacted]. Provide Prior appraisal report which is more than [Redacted] days prior to the note date along with delivery instructions. Exception remains. Buyer Comment (2026-02-24): Appraisal delivery |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10228356 | [Redact] | 36486640 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated Hazard Insurance binder, Replacement Cost Estimator document and Tax Certificate document for Subject property with Address as "[Redacted]" The provided tax certificate, hazard insurance binder, and Replacement Cost Estimator show address as "[Redacted]" The note and other documents show address as "[Redacted]" | Reviewer Comment (2026-03-03): Cleared. LOX provided. Buyer Comment (2026-03-03): [Redacted] is ok with the Letter from the planning committee, may we ask you to clear , email confirmation sent Reviewer Comment (2026-03-03): Received hazard insurance policy and Replacement Cost Estimator with updated address. However Tax cert with updated address is still pending. Exception remains. Buyer Comment (2026-02-27): insurance documents with address change Reviewer Comment (2026-02-26): Require copy of Hazard Insurance binder, Replacement Cost Estimator document and Tax Certificate document for Subject property with Address as "[Redacted]." Exception remains Buyer Comment (2026-02-25): email from county confirming address change has been updated in the county system |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228356 | [Redact] | 36486642 | Credit | Credit | Credit Documentation | Credit | No Housing History or Less Than [Redacted] Months Verified. [Redacted] Months reserves required per guidelines. Review data and set applicable exception. | Require Letter of explanation for free and clear property, primary residence [Redacted] is owned free and clear. Per guidelines, borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage or rental payments are eligible with a satisfactory letter of explanation. | Reviewer Comment (2026-02-20): Satisfactory letter of explanation is provided. Exception Cleared Buyer Comment (2026-02-19): Letter of explanation |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228377 | [Redact] | 36486647 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis fees was disclosed as $[Redacted] on Initial CD and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-03-06): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-03-04): Updated shipping status Reviewer Comment (2026-03-02): [Redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-02-26): LOE, PCCD, refund check and shipping label |
03/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228377 | [Redact] | 36486648 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $[Redacted] on Initial CD and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. | Reviewer Comment (2026-02-23): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) Transfer taxes were increased resulting in a cleared exception. Buyer Comment (2026-02-19): Cured at closing. Difference due to rounding. |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228377 | [Redact] | 36486650 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Cash to close is $[Redacted]. This is a POCB unable to ascertain how paid and insufficient liquid assets presents to cover, | Reviewer Comment (2026-03-03): The Hazard POCB was removed. Buyer Comment (2026-02-27): removed Hazard POC Reviewer Comment (2026-02-26): Provide evidence it was paid by prior lender. Policy renewed back in [Redacted]. [Redacted] months prior to subject closing. Or provide PCCD omitting the POCB for exclusion consideration. Buyer Comment (2026-02-25): assets and mortgage statement Buyer Comment (2026-02-25): per lender: Please note this is a refinance, the mentioned POC of $[Redacted] was for the borrowers hazard policy which was paid via escrow account which is documented on the Mtg statement in the file, therefore would have no impact on the documented assets we provided. We show documented assets of $[Redacted] which covers the required [Redacted] months PITI of $[Redacted] |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228376 | [Redact] | 36486652 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | For property [Redacted], unable to find document for Other Payment of $[Redacted] and tax verification doc is missing. Need tax verification and supporting document for other payment of $[Redacted]. Property tax not deducted in schedule E. | Reviewer Comment (2026-02-26): Tax certificate is provided reflecting payment of $[Redacted]. Exception cleared Buyer Comment (2026-02-25): Taxes, HOI and VOM |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228376 | [Redact] | 36486654 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Loan Estimate and Closing Disclosure were issued on same day [Redacted]. CD was signed on [Redacted], LE was unsigned. Loan Estimate was received on or after the Closing Disclosure receipt. | Reviewer Comment (2026-03-02): [Redacted] received rebuttal and attestation suffice Buyer Comment (2026-02-26): Please re-review - the CD was not esigned [Redacted], it is esigned [Redacted].Please also review the Trailing - Other docs - The Attestation provided explains the details provided on the doc magic activity. It also explains that there was no [Redacted] LE provided to the borrower. It was solely in file to generate initial CD figures. If the lender had issued both an LE and CD to the borrower on [Redacted], the doc magic activity would show both. Lender provided the activity as supporting documentation to their Attestation that only [Redacted] doc was generated and provided to the borrower which was the [Redacted] CD. Reviewer Comment (2026-02-26): Unable to ascertain if the doc magic document provided as for the [Redacted] LE or CD. For the [Redacted] LE provided and not signed we are using mailbox receipt rule of [Redacted]. It should be noted the CD dated [Redacted] was e-signed [Redacted]. Buyer Comment (2026-02-25): [Redacted] activity showing only [Redacted] disclosure (initial pre-closing CD) generated by lender and sent to CD - see uploaded Attestation letter Buyer Comment (2026-02-25): Lender Attestation |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10228376 | [Redact] | 36486655 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Loan Estimate and Closing Disclosure were issued on same day [Redacted]. CD was signed on [Redacted], LE was unsigned. Loan Estimate was received on or after the Closing Disclosure receipt. | Reviewer Comment (2026-03-02): [Redacted] received rebuttal and attestation suffice Buyer Comment (2026-02-26): Please confirm that the attestation letter was reviewed It explains the [Redacted] document. Please review the letter and if still unclear, please further explain what is unable to be ascertained. - Please re-review - the CD was not esigned [Redacted], it is esigned [Redacted].Please also review the Trailing - Other docs - The Attestation provided explains the details provided on the [Redacted] activity. It also explains that there was no [Redacted] LE provided to the borrower. It was solely in file to generate initial CD figures. If the lender had issued both an LE and CD to the borrower on [Redacted], the [Redacted] activity would show both. Lender provided the activity as supporting documentation to their Attestation that only [Redacted] doc was generated by them and provided to the borrower which was the [Redacted] CD.** Reviewer Comment (2026-02-26): Unable to ascertain if the doc magic document provided as for the [Redacted] LE or CD. For the [Redacted] LE provided and not signed we are using mailbox receipt rule of [Redacted]. It should be noted the CD dated [Redacted] was e-signed [Redacted]. Buyer Comment (2026-02-25): LE and Electronic tracking - also see uploaded Attestation from lender |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10228354 | [Redact] | 36486657 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | [Redacted] funds from [Redacted] account #[Redacted] and #[Redacted] were used for qualification. Evidence of disbursement is required to use trust funds for closing. | Reviewer Comment (2026-03-09): Received the account statements. Buyer Comment (2026-03-05): per lender: just got off the phone with the [Redacted]. The notes actually reference the account number the funds were pulled from and have been highlighted . It's from the [Redacted] with the account holder of [Redacted] Reviewer Comment (2026-03-04): Received the Wire receipt dated [Redacted] confirming funds in the amount of $[Redacted] was transferred to the escrow account however originator account bank name reflects as [Redacted] and Company however the account #[Redacted] does not match with [Redacted] accounts statements provided. Therefore provide proper Evidence of disbursement of funds from [Redacted] account. Exception remains. Buyer Comment (2026-03-02): Please see copy of the wire receipt in the file that matched the account number for the [Redacted] account Reviewer Comment (2026-02-27): The accounts from [Redacted] were used to qualify. Evidence of disbursement from the [Redacted] accounts is required, the others have been documented. Buyer Comment (2026-02-25): per lender: here is the source of the funds from #[Redacted]. One is history from the end of the last statement in file showing a large credit of $[Redacted] and the withdrawal of the cashier's check for closing. The other is the bank statement for #[Redacted] showing the $[Redacted] debit to source the funds in the other account. Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains Buyer Comment (2026-02-13): funds to close |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228354 | [Redact] | 36486658 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Provide corrected Purchase Agreement / Sales Contract with seller signature. | Reviewer Comment (2026-02-17): Contract provided Buyer Comment (2026-02-13): per lender: Page [Redacted] is appropriately initialed on the bottom right by the sellers because they counter-offered. The counter-offer is page [Redacted] of the purchase agreement and is fully signed by all parties. I do not see any addendums that are not fully signed - please specify what is missing. |
02/17/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228354 | [Redact] | 36486659 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Business funds are used for qualification there Provide signed letter from a CPA/Licensed Tax Preparer confirming Withdrawal of the funds will not negatively impact the business or cash-flow analysis (Fannie Mae Form 1084 or similar form) and Evidence to confirm the borrower's ownership in business. | Reviewer Comment (2026-02-25): Proof of sale provided. Cleared Buyer Comment (2026-02-23): per lender: See purchase contract to see farm. Reviewer Comment (2026-02-17): Provide proof business was sold. Buyer Comment (2026-02-13): per lender: Business sold so there is no CPA letter to obtain. Borrower used their own funds. |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228354 | [Redact] | 36486661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR Failure. This exception will be cleared once all ATR specific Exceptions have been cured/Cleared. | Reviewer Comment (2026-03-09): Received the updated account statements. Buyer Comment (2026-03-05): per lender: just got off the phone with the [Redacted]. The notes actually reference the account number the funds were pulled from and have been highlighted . It's from the [Redacted] Account with the account holder of [Redacted] Reviewer Comment (2026-03-04): Received the Wire receipt dated [Redacted] confirming funds in the amount of $[Redacted] was transferred to the escrow account however originator account bank name reflects as [Redacted] and Company however the account #[Redacted] does not match with [Redacted] accounts statements provided. Therefore provide proper Evidence of disbursement of funds from [Redacted] account. Exception remains. Buyer Comment (2026-03-02): Please see copy of the wire receipt in the file that matched the account number for the [Redacted]account Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains Buyer Comment (2026-02-13): funds to close provided |
03/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228354 | [Redact] | 36486662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-25): Proof of sale provided. Cleared Buyer Comment (2026-02-23): per lender: here is the source of the funds from #[Redacted]. One is history from the end of the last statement in file showing a large credit of $[Redacted] and the withdrawal of the cashier's check for closing. The other is the bank statement for #[Redacted] showing the $[Redacted] debit to source the funds in the other account. Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains Buyer Comment (2026-02-13): funds to close provided |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228375 | [Redact] | 36486667 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Processing fees paid to Broker were paid by borrower in Section B while the Originator Compensation was paid by lender in Section A. | Reviewer Comment (2026-03-10): Processing fees on Section B which was paid to broker is changed to third party as per the PCCD [Redacted]. The same is changed in Final CD and PCCD. Exception cleared. Buyer Comment (2026-03-09): Final Settlement statement and PCCD |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228366 | [Redact] | 36486668 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address on CDA is missing unit [Redacted] as per the title commitment and appraisal report. Provide corrected CDA with updated address. | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared Buyer Comment (2026-03-12): email from title Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains Buyer Comment (2026-03-10): Email from title regarding unit on property address Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains Buyer Comment (2026-03-05): address affidavit |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228366 | [Redact] | 36486671 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Title report, appraisal report and HOI policy reflects address as "[Redacted]," however note is missing the unit #. Provide corrected note with correct address. Lender to ensure all required documents match the correct property address. | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared Buyer Comment (2026-03-12): email from title Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains Buyer Comment (2026-03-10): Email from title regarding unit on property address Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains Buyer Comment (2026-03-05): address affidavit |
03/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228366 | [Redact] | 36486672 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Title report, appraisal report and HOI policy reflects address as "[Redacted]," however security Instrument is missing the unit #. Provide corrected security instrument with updated address. Lender to ensure all required documents match the correct property address. | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared Buyer Comment (2026-03-12): email from title Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains Buyer Comment (2026-03-10): Email from title regarding unit on property address Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains Buyer Comment (2026-03-05): address affidavit |
03/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228366 | [Redact] | 36486675 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Tolerance Violation for Transfer Tax With Sufficient Cure Provided At Closing | Reviewer Comment (2026-02-27): Sufficient Cure Provided At Closing |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | A | D | A | D | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228378 | [Redact] | 36486680 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Balance Sheets and P&L's provided were not signed as required. | Reviewer Comment (2026-03-12): Received signed P&L and Balance sheet. Exception Cleared Buyer Comment (2026-03-10): Signed balance sheets and profit and loss statements |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10228374 | [Redact] | 36486687 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was provided. Waiver not provided. | Buyer Comment (2026-03-06): Borrower acknowledged receipt at closing. Acknowledged as non-material EV2. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228381 | [Redact] | 36486691 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Require Fraud Report as it is missing in file. | Reviewer Comment (2026-03-12): Fraud report received for both borrowers. Exception cleared. Buyer Comment (2026-03-11): Fraud |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10228381 | [Redact] | 36486692 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | As per guidelines [Redacted] months bank statement are required and only [Redacted] month was provided from [Redacted] to [Redacted], Provide an additional [Redacted] month bank statement for [Redacted] #[Redacted]. | Reviewer Comment (2026-03-16): Received bank statement for [Redacted]. Meets guide requirement of [Redacted] months bank statement. Exception cleared. Buyer Comment (2026-03-13): [Redacted] bank statement Reviewer Comment (2026-03-12): Received bank statement for [Redacted] which was already provided before. Provide complete [Redacted] month bank statement for the month of [Redacted] for the account with [Redacted] #[Redacted]. Exception remains. Buyer Comment (2026-03-11): [Redacted] Statement |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10228381 | [Redact] | 36486693 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Require Fraud report as it is missing in file. | Reviewer Comment (2026-03-12): Fraud report received for both borrowers. Exception cleared. Buyer Comment (2026-03-11): was uploaded Buyer Comment (2026-03-11): Fraud |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10228381 | [Redact] | 36486694 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Require Rider - 1-4 Family as it is not provided in file. | Reviewer Comment (2026-03-12): Received Rider - 1-4 Family. Exception cleared. Buyer Comment (2026-03-11): Rider |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10228367 | [Redact] | 36486704 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | EV2 informational | Buyer Comment (2026-03-17): Acknowledged non-material EV2 |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228363 | [Redact] | 36486706 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal lender transfer letter from [Redacted] is missing in file. | Reviewer Comment (2026-02-12): [Redacted] and [Redacted] are one and the same company. Exception Cleared Buyer Comment (2026-02-11): per lender: [Redacted] and [Redacted] are one and the same company. |
02/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228363 | [Redact] | 36486707 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Require most recent two consecutive months banks statements from [Redacted], account #[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted]% DTI with program max of [Redacted]%. [Redacted]% LTV with program max of [Redacted]%. [Redacted] FICO with program minimum of [Redacted]. [Redacted] months reserves with program max of [Redacted]. [Redacted]% equity position, $[Redacted] in other real estate owned. | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-02-12): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-02-12): Exception from [Redacted]. Please downgrade and waive. |
02/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | |||||||
| [Redact] | 10228363 | [Redact] | 36486709 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Required supporting document for following REO properties:- [Redacted] (Other Payments of $[Redacted]) [Redacted] (Other Payments of $[Redacted]) [Redacted] (Other Payments of $[Redacted]) [Redacted] (Other Payment of $[Redacted]) |
Reviewer Comment (2026-02-20): Received updated 1008. Exception Cleared Buyer Comment (2026-02-19): 1008 Reviewer Comment (2026-02-18): Noted. Required updated 1008 with correct monthly payments and DTI ratio. Exception remains Buyer Comment (2026-02-17): revised 1003. Reviewer Comment (2026-02-13): Received updated 1003, however for still missing Evidence of Other payment of $[Redacted] for REO [Redacted] as updated 1003 still noted other payment of $[Redacted]. Exception Remains Buyer Comment (2026-02-11): LOE and revised 1003 |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228363 | [Redact] | 36486710 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | REO Property [Redacted] shown in 1003 with same loan number and P&I details with different address, [Redacted]. Also, fraud report reflects [Redacted] is owned by [Redacted]. Lender to review and confirm if [Redacted] is owned by borrower also confirm ownership status of property [Redacted], and determine if both the properties are same or not. -Required Tax Verification & Insurance Verification for REO property [Redacted]. |
Reviewer Comment (2026-02-13): Received updated 1003 Received with Correction PITIA. Exception Cleared Buyer Comment (2026-02-11): attached corrected 1003. [Redacted] was a typo and this property is non-existent. 1003 attached correcting it to [Redacted]. |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228363 | [Redact] | 36486711 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Required Insurance Verification for REO properties [Redacted] & [Redacted]. | Reviewer Comment (2026-02-13): Received updated 1003 Received with Correction PITIA. Exception Cleared Buyer Comment (2026-02-11): LOE and 1003 |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228363 | [Redact] | 36486712 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): Investor accepts assets of < 2 months. and agrees to waive with compensating factors. |
02/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | B | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10228363 | [Redact] | 36486713 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-02-12): Investor accepts assets of < 2 months. and agrees to waive with compensating factors. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228365 | [Redact] | 36486720 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-03-06): Rate and term refinance. Buyer Comment (2026-03-04): Please Re-review - The requested form is only required when the refinance includes additional funds. This loan was a Rate Term Refinance. |
03/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10228365 | [Redact] | 36486721 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-03-05): [Redacted] received earliest e-consent. Buyer Comment (2026-03-04): Econsent tracking Buyer Comment (2026-03-04): Esign consent |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10228365 | [Redact] | 36486722 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Market Value of the subject property is declining, the maximum LTV/H/CLTV is restricted to lesser of the maximum LTV/H/CLTVs allowed by the program guides or [Redacted]%. Lender exception ([Redacted]) is available with compensating factor. Lender to confirm. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves with program minimum of [Redacted] months. [Redacted] FICO with program minimum of [Redacted]. Appraisal report reflects demand/supply-shortage and marketing time - under [Redacted] months. [Redacted] NonQM v6 will permit a max LTV of [Redacted]% for properties located in a declining market. | [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-03): Exception provided. Buyer Comment (2026-03-03): Lender approved exception already in file. [Redacted] exception approval for LTV [Redacted]% for property located in a declining market. |
03/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10228365 | [Redact] | 36486723 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Market Value of the subject property is declining, the maximum LTV/H/CLTV is restricted to lesser of the maximum LTV/H/CLTVs allowed by the program guides or [Redacted]%. Lender exception ([Redacted]) is available with compensating factor. Lender to confirm. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves with program minimum of [Redacted] months. [Redacted] FICO with program minimum of [Redacted]. Appraisal report reflects demand/supply-shortage and marketing time - under [Redacted] months. [Redacted] NonQM v6 will permit a max LTV of [Redacted]% for properties located in a declining market. | [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-03): Exception provided. Buyer Comment (2026-03-03): Lender approved exception already in file. [Redacted] exception approval for LTV [Redacted]% for property located in a declining market. |
03/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 9768888 | [Redact] | 36504601 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Missing approval or final 1008 | Reviewer Comment (2025-10-28): 1008 provided Buyer Comment (2025-10-22): Providing 1008. |
10/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9768888 | [Redact] | 36504603 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of receipt of Appraisal report dated [Redacted]. | Reviewer Comment (2025-10-28): Appraisal delivery notification provided Buyer Comment (2025-10-24): Providing add'l delivery documentation. Buyer Comment (2025-10-23): Providing appraisal delivery. |
10/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179373 | [Redact] | 36582279 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing electronic consent. | Reviewer Comment (2026-03-18): E-sign consent received and captured in file; Exception cleared. Buyer Comment (2026-03-17): Uploaded |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179373 | [Redact] | 36582281 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated [Redacted] is missing evidence of receipt, 3 business days prior to closing | Reviewer Comment (2026-03-17): Appraisal disclosure signed and dates at closing received in file; Exception cleared. Buyer Comment (2026-03-16): Acknowledgment of Receipt of Appraisal Report disclosure in file signed on [Redacted] confirmed borrower received appraisal and other valuations no later than 3-days prior to consummation. |
03/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10179373 | [Redact] | 36582283 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial Closing Disclosure is dated [Redacted]. | Reviewer Comment (2026-03-18): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation. Buyer Comment (2026-03-17): Uploaded |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10179373 | [Redact] | 36582284 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-03-18): H-9 form received and captured in file; Exception cleared. Buyer Comment (2026-03-17): Uploaded |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10179373 | [Redact] | 36582285 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-03-18): H-9 form received and captured in file; Exception cleared. Buyer Comment (2026-03-17): Corrected H-9 form was also provided. |
03/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | No |