Exhibit 99.2 Schedule 4
| Marketing ID | Seller | Loan ID | Borrower Last Name | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Resolved/Cured Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 44 | XX | XX | XX | Closed | 2026-04-17 17:10 | 2026-04-27 18:36 | 2026-04-27 18:36 | Resolved | 1 - Information | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash to borrower
includes $740 appraisal fee. Resolved.
- Due Diligence Vendor-04/27/2026 Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 Ready for Review-The CD shows POC of $750 appraisal and when POC included in actual costs, incidental cash back is under $2,000. Kindly overturn finding. - Buyer-04/27/2026 Open-Cash Out Does Not Meet Guideline Requirements Per Lender guidelines Incidental Cash Back Cash out amount not to exceed the lesser of $2,000 or 2% of the loan amount, borrower received $2320.64. - Due Diligence Vendor-04/17/2026 |
Resolved-Cash to borrower
includes $740 appraisal fee. Resolved.
- Due Diligence Vendor-04/27/2026 Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 |
MD | Investment | Refinance | Cash Out - Other | 8748200 | N/A | N/A | ||||||
| 44 | XX | XX | XX | Closed | 2026-04-20 09:06 | 2026-04-20 09:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-04/20/2026 |
MD | Investment | Refinance | Cash Out - Other | 8767139 | Investor Post-Close | No | |||||||
| 45 | XX | XX | XX | Closed | 2026-04-06 20:09 | 2026-04-24 13:02 | 2026-04-24 13:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026 Ready for Review-The CPA Letter dated 2/xx/2026 for CLB Consulting is on page 336 of the upload. Reuploaded the CPA letter. Kindly overturn. - Buyer-04/24/2026 Counter-Lender provided updated VVOE for Business within 20 days, however we need it for business listed on 1c of the final application, condition remains. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. The VVOE dated within 20 days of closing is on page 332 of the upload. I have reattached it here. Kindly overturn finding. - Buyer-04/17/2026 Counter-VVOE for business 1C on the final 1003 is expired. SE VVOEs must be within 20 calendar days of the Note date. CPA letter dated 2/xx/2026, Note date is 3/xx/2026. Not resolved. - Due Diligence Vendor-04/09/2026 Ready for Review-CPA Letter is on page 548 of 1042 in the upload. Kindly Overturn. - Buyer-04/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026 |
XX | NC | Primary Residence | Refinance | Cash Out - Other | 8513781 | N/A | N/A | |||||
| 51 | XX | XX | XX | Closed | 2026-04-06 18:04 | 2026-06-10 12:40 | 2026-06-10 12:40 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower1 VVOE
Document Uploaded. Finding Resolved - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. No change to employment. Thank you - Buyer-04/17/2026 Counter-For Self Employed borrowers the VVOE is required to be within 20 calendar days of the Note date. Business search is dated 1/xx/26, Note date is 3/xx/26 which is greater than 20 days from VVOE. Provide ZVVOE dated within 20 calendar days prior to the Note date. Not resolved. - Due Diligence Vendor-04/09/2026 Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Buyer-04/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Buyer-04/07/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/06/2026 |
Resolved-Borrower1 VVOE
Document Uploaded. Finding Resolved - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-04/21/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8512366 | N/A | N/A | |||||
| 51 | XX | XX | XX | Closed | 2026-04-06 18:04 | 2026-06-10 12:39 | 2026-06-10 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower2 VVOE
Document Received. Finding Resolved. - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. No change to employment. Thank you - Seller-04/17/2026 Counter-For Self Employed borrowers the VVOE is required to be within 20 calendar days of the Note date. Business search is dated 1/xx/26, Note date is 3/xx/26 which is greater than 20 days from VVOE. Provide ZVVOE dated within 20 calendar days prior to the Note date. Not resolved. - Due Diligence Vendor-04/09/2026 Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Investor-04/09/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Investor-04/07/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. No change to employment. Thank you - Seller-04/17/2026 |
Resolved-Borrower2 VVOE
Document Received. Finding Resolved. - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-04/21/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8512367 | N/A | N/A | ||||
| 53 | XX | XX | XX | Closed | 2026-04-30 11:46 | 2026-04-30 11:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/30/2026 |
MI | Investment | Refinance | Cash Out - Other | 8974295 | Investor Post-Close | No | |||||||
| 54 | XX | XX | XX | Closed | 2026-04-17 14:31 | 2026-04-23 14:33 | 2026-04-23 14:33 | Resolved | 1 - Information | Compliance | Interest:Accrual | Louisiana - Interest Rate Accrual | Resolved-Review CD and
Compliance, made changes, re-ran Mavent, finding resolved. - Due Diligence
Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Final CD and ComplianceEase shows prepaid interest was correctly posted. Kindly overturn finding. - Buyer-04/22/2026 Open-Under the Louisiana Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (La. Rev. Stat. Ann. 9:3506.1(A)) Prepaid interest dates are updated correctly - Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 |
Resolved-Review CD and
Compliance, made changes, re-ran Mavent, finding resolved. - Due Diligence
Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XX | LA | Primary Residence | Purchase | NA | 8744347 | N/A | N/A | |||||
| 54 | XX | XX | XX | Closed | 2026-04-17 14:24 | 2026-04-17 14:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/17/2026 |
LA | Primary Residence | Purchase | NA | 8744204 | Investor Post-Close | No | |||||||
| 57 | XX | XX | XX | Closed | 2026-04-03 10:39 | 2026-04-15 11:24 | 2026-04-15 11:24 | Resolved | 1 - Information | Credit | Assets | Asset 1 Expired | Resolved-Removed expired
asset, cash out sufficient to cover reserves. Condition resolved. - Due
Diligence Vendor-04/15/2026 Ready for Review-UW Calc Sheet - comments from underwriter indicate assets provided are expired but using proceeds instead; cash out refinance, CD shows cash to borrower of $37,031.39 and sufficient to cover required reserves of $7400. Product Profile allows cash reserves from the transaction to be used for reserves. Kindly overturn finding. - Buyer-04/14/2026 Open-Money Market account expired. XX document provided was dated 1/31/2024. - Due Diligence Vendor-04/03/2026 |
Resolved-Removed expired
asset, cash out sufficient to cover reserves. Condition resolved. - Due
Diligence Vendor-04/15/2026 |
AR | Investment | Refinance | Cash Out - Other | 8476793 | N/A | N/A | ||||||
| 59 | XX | XX | XX | Closed | 2026-05-12 12:40 | 2026-05-15 07:28 | Waived | 2 - Non-Material | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 | Waived-Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence
Vendor-05/12/2026 |
Minimum FICO: 720 Actual FICO: 766 10 years SE vs 2 year guideline Maximum DTI: 50% Actual DTI: 38.31% Required Reserves: 3 mos ($7,205.91) Actual Reserves: 9 mos ($22,475.) (using 75% of business account.) |
TX | Primary Residence | Purchase | NA | 9156552 | Originator Pre-Close | Yes | ||||||
| 62 | XX | XX | XX | Closed | 2026-05-18 15:30 | 2026-05-18 15:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-05/18/2026 |
TX | Investment | Refinance | Cash Out - Other | 9261803 | Investor Post-Close | No | |||||||
| 63 | XX | XX | XX | Closed | 2026-04-08 13:57 | 2026-04-29 11:51 | 2026-04-29 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Verification of
March and April rent payments received.
- Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Buyer-04/29/2026 Open-The lease for the subject property expired on 2/28/2026 and converted to a month-XX-month tenancy. While such a transition is allowed upon verification of the latest rent payment, audit could not confirm receipt of the most recent $3,000 payment. - Due Diligence Vendor-04/08/2026 |
Resolved-Verification of
March and April rent payments received.
- Due Diligence Vendor-04/29/2026 |
XX | NJ | Investment | Refinance | Cash Out - Other | 8555576 | N/A | N/A | |||||
| 68 | XX | XX | XX | Closed | 2026-04-03 08:00 | 2026-04-13 18:50 | 2026-04-13 18:50 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Received ROR
signed by borrower and spouse. Resolved.
- Due Diligence Vendor-04/13/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Buyer-04/13/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-04/03/2026 |
Resolved-Received ROR
signed by borrower and spouse. Resolved.
- Due Diligence Vendor-04/13/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-04/13/2026 |
XX | IA | Primary Residence | Refinance | Cash Out - Other | 8472690 | N/A | N/A | |||||
| 68 | XX | XX | XX | Closed | 2026-04-03 08:00 | 2026-04-13 18:50 | 2026-04-13 18:50 | Resolved | 1 - Information | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received ROR
signed by borrower and spouse. Resolved.
- Due Diligence Vendor-04/13/2026 Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Buyer-04/13/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-04/03/2026 |
Resolved-Received ROR
signed by borrower and spouse. Resolved.
- Due Diligence Vendor-04/13/2026 Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-04/13/2026 |
XX | IA | Primary Residence | Refinance | Cash Out - Other | 8472689 | N/A | N/A | |||||
| 69 | XX | XX | XX | Closed | 2026-04-30 11:03 | 2026-05-06 15:56 | 2026-05-06 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Lender provided
the Patriot Act Form - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Investor-05/06/2026 Counter-Patriot Act Disclosure pg.1230 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 Ready for Review-Patriot Act Disclosure pg.XX of 1638 and XX pg XX was part of the original upload. Kindly Overturn. - Buyer-05/04/2026 Open-Missing Borrower Identification - Borrower 2. Missing Borrower Identification B2 - Due Diligence Vendor-04/30/2026 |
Resolved-Lender provided
the Patriot Act Form - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/06/2026 |
XX | UT | Second Home | Purchase | NA | 8973135 | N/A | N/A | |||||
| 69 | XX | XX | XX | Closed | 2026-04-30 11:03 | 2026-05-06 15:55 | 2026-05-06 15:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided
the Patriot Act Form - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Counter-Patriot Act Disclosure pg.1229 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 Ready for Review-Patriot Act Disclosure pg.1229 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 Ready for Review-Patriot Act Disclosure pg.1229 of 1638 was part of the original upload. Kindly Overturn. - Seller-05/04/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification B1 - Due Diligence Vendor-04/30/2026 |
Ready for Review-Patriot
Act Disclosure pg.1229 of 1638 was part of the original upload. Kindly
Overturn. - Seller-05/04/2026 |
Resolved-Lender provided
the Patriot Act Form - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 |
XX | UT | Second Home | Purchase | NA | 8973134 | N/A | N/A | ||||
| 69 | XX | XX | XX | Closed | 2026-04-30 14:03 | 2026-04-30 14:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance. Desk review Page#780-837 - Due Diligence Vendor-04/30/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. secondary product within
tolerance. Desk review Page#780-837 - Due Diligence Vendor-04/30/2026 |
UT | Second Home | Purchase | NA | 8977993 | Investor Post-Close | No | |||||||
| 76 | XX | XX | XX | Closed | 2026-04-17 13:01 | 2026-04-17 13:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/17/2026 |
CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8742381 | Investor Post-Close | No | |||||||
| 93 | XX | XX | XX | Closed | 2026-05-04 09:16 | 2026-05-05 18:26 | 2026-05-05 18:26 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Thank you for
providing the executed 4506. Resolved.
- Due Diligence Vendor-05/05/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. - Buyer-05/05/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/04/2026 |
Resolved-Thank you for
providing the executed 4506. Resolved.
- Due Diligence Vendor-05/05/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/05/2026 |
XX | FL | Primary Residence | Purchase | NA | 9022343 | N/A | N/A | |||||
| 100 | XX | XX | XX | Closed | 2026-04-14 15:43 | 2026-04-27 18:30 | 2026-04-27 18:30 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Thank you for
providing the VOM. Resolved. - Due
Diligence Vendor-04/27/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Buyer-04/27/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender requires verification of the most recent 12-month housing history. We are currently missing the prior mortgage history from XX for the borrower’s primary residence on XX. - Due Diligence Vendor-04/14/2026 |
Resolved-Thank you for
providing the VOM. Resolved. - Due
Diligence Vendor-04/27/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026 |
XX | IL | Investment | Refinance | No Cash Out - Borrower Initiated | 8661591 | N/A | N/A | |||||
| 126 | XX | XX | XX | Closed | 2026-05-12 09:03 | 2026-05-12 09:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
NC | Primary Residence | Purchase | NA | 9150319 | Investor Post-Close | No | |||||||
| 156 | XX | XX | XX | Closed | 2026-05-12 09:44 | 2026-05-20 15:38 | 2026-05-20 15:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-05/20/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-05/12/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-05/20/2026 |
XX | MA | Investment | Purchase | NA | 9151340 | N/A | N/A | |||||
| 160 | XX | XX | XX | Closed | 2026-05-15 12:54 | 2026-05-20 09:53 | 2026-05-20 09:53 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of
Property Tax is present - Due Diligence Vendor-05/20/2026 Ready for Review-Underwriter used the tax estimator which included an exception for homestead; it is also noted that the final CD showed escrow for taxes/insurance in the amounts used by underwriting; However, even if full amount of taxes without any exemptions of $11,148 considered (XX #XX, tax cert index), PITIA increases $261 monthly and DTI increases from 6.51% to 6.80% . Nothing further required as loan still qualifies (DTI, reserves and residual). Kindly Overturn finding. - Buyer-05/19/2026 Open-Missing Evidence of Property Tax amount $668.34 - Due Diligence Vendor-05/15/2026 |
Resolved-Evidence of
Property Tax is present - Due Diligence Vendor-05/20/2026 |
TX | Primary Residence | Purchase | NA | 9224092 | N/A | N/A | ||||||
| 160 | XX | XX | XX | Closed | 2026-05-18 15:44 | 2026-05-18 15:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-05/18/2026 |
TX | Primary Residence | Purchase | NA | 9262250 | Investor Post-Close | No | |||||||
| 206 | XX | XX | XX | Closed | 2026-04-15 12:22 | 2026-04-23 13:00 | 2026-04-23 13:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-lender provided
initial disclosures showing What Mortgage Applicants Need to Know pamphlet
was included. condition resolved - Due Diligence Vendor-04/23/2026 Resolved-Disclosure provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. initial docs 022326 - Buyer-04/22/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. "What Mortgage Applicants Need to Know" is missing in file - Due Diligence Vendor-04/15/2026 |
Resolved-lender provided
initial disclosures showing What Mortgage Applicants Need to Know pamphlet
was included. condition resolved - Due Diligence Vendor-04/23/2026 Resolved-Disclosure provided. - Due Diligence Vendor-04/23/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8683230 | N/A | N/A | |||||
| 207 | XX | XX | XX | Closed | 2026-05-01 12:14 | 2026-05-11 10:54 | 2026-05-11 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-05/08/2026 Open-Hazard Insurance Policy Partially Provided: page# 2/2 is missing pdf #623 - Due Diligence Vendor-05/01/2026 |
Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/11/2026 |
XX | MA | Investment | Purchase | NA | 9003160 | N/A | N/A | |||||
| 207 | XX | XX | XX | Closed | 2026-04-29 13:22 | 2026-04-29 13:22 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-04/29/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence
Vendor-04/29/2026 |
MA | Investment | Purchase | NA | 8955666 | Investor Post-Close | No | |||||||
| 208 | XX | XX | XX | Closed | 2026-05-18 12:52 | 2026-05-18 12:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-05/18/2026 |
FL | Investment | Purchase | NA | 9256304 | Investor Post-Close | No | |||||||
| 214 | XX | XX | XX | Closed | 2026-05-14 08:17 | 2026-05-14 08:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/14/2026 |
UT | Primary Residence | Purchase | NA | 9197573 | Investor Post-Close | No | |||||||
| 219 | XX | XX | XX | Closed | 2026-05-12 09:46 | 2026-05-12 09:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
CA | Investment | Purchase | NA | 9151397 | Investor Post-Close | No | |||||||
| 221 | XX | XX | XX | Closed | 2026-04-08 20:59 | 2026-05-13 10:47 | 2026-05-13 10:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 1) | Resolved-Thank you for
providing the borrowers Permanent Resident Identification. Resolved. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Permanent Resident Card - Buyer-05/13/2026 Open-Missing Permanent Resident Alien Card for Borrower 1 - Due Diligence Vendor-04/09/2026 |
Resolved-Thank you for
providing the borrowers Permanent Resident Identification. Resolved. - Due Diligence Vendor-05/13/2026 |
XX | LA | Primary Residence | Purchase | NA | 8564211 | N/A | N/A | |||||
| 241 | XX | XX | XX | Closed | 2026-04-29 09:44 | 2026-05-05 19:11 | 2026-05-05 19:11 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Thank you for
providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. econsent - Buyer-05/05/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/06/2026 |
XX | WA | Primary Residence | Purchase | NA | 8947869 | N/A | N/A | |||||
| 241 | XX | XX | XX | Closed | 2026-04-29 09:28 | 2026-05-05 19:10 | 2026-05-05 19:10 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Thank you for
providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. econsent - Buyer-05/05/2026 Open-XX-Consent documentation is missing for borrower(s). initial e signed on 03/08/2026 however consent is missing in file - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/06/2026 |
XX | WA | Primary Residence | Purchase | NA | 8946984 | N/A | N/A | |||||
| 241 | XX | XX | XX | Closed | 2026-04-30 11:52 | 2026-04-30 11:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-04/30/2026 |
WA | Primary Residence | Purchase | NA | 8974422 | Investor Post-Close | No | |||||||
| 245 | XX | XX | XX | Closed | 2026-05-13 09:53 | 2026-05-28 08:39 | 2026-05-28 08:38 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached document stating the replacement cost amount as XX which is what the dwelling amount on the policy is. - Investor-05/27/2026 Counter-Provided hazard policy identifies extended limits but does not specify the extended amount/percentage. Provide additional policy detail that discloses the amount of extended coverage available to determine if coverage meets guidelines. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. advised investor policy states it has extended replacement cost coverage - Buyer-05/22/2026 Counter-Lender response not related to the hazard insurance policy. Condition retained. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Investor-05/20/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX. Replacement cost document not provided - Due Diligence Vendor-05/13/2026 |
Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-05/28/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 9174701 | N/A | N/A | |||||
| 245 | XX | XX | XX | Closed | 2026-05-18 10:47 | 2026-05-22 10:18 | 2026-05-22 10:18 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Upon further
review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Investor-05/20/2026 Open-A Lender Credit for Excess Charges of ($327.80), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($998.63) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing for lender credit decrease in lender credit - Due Diligence Vendor-05/18/2026 Open-XX- Due Diligence Vendor-05/18/2026 |
Resolved-Upon further
review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 9251947 | N/A | N/A | |||||
| 245 | XX | XX | XX | Closed | 2026-05-18 10:47 | 2026-05-22 10:17 | 2026-05-22 10:17 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Upon further
review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Buyer-05/20/2026 Open-A Lender Credit for Excess Charges of ($327.80), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($998.63) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing for lender credit decrease in lender credit - Due Diligence Vendor-05/18/2026 Open-XX- Due Diligence Vendor-05/18/2026 |
Resolved-Upon further
review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 9251946 | N/A | N/A | |||||
| 248 | XX | XX | XX | Closed | 2026-05-12 13:46 | 2026-05-21 09:11 | 2026-05-21 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Asset 2 Missing | Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-Lender provided CD for XX showing proceeds of $24,136.10, which 18K is being used. condition resolved. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. CD for XXe - Buyer-05/19/2026 Open-Asset 2 Missing Provide a legible copy of all pages of the final CD for XX confirming $18,000 cash-out proceeds. - Due Diligence Vendor-05/12/2026 |
Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-05/21/2026 Resolved-Lender provided CD for XX showing proceeds of $24,136.10, which 18K is being used. condition resolved. - Due Diligence Vendor-05/19/2026 |
XX | IL | Investment | Refinance | Cash Out - Other | 9158816 | N/A | N/A | |||||
| 248 | XX | XX | XX | Closed | 2026-05-12 13:46 | 2026-05-21 09:11 | 2026-05-21 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Asset 3 Missing | Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. REO docs - Buyer-05/20/2026 Open-Asset 3 Missing Provide a legible copy of all pages of the final CD forXX confirming $27,000 cash-out proceeds. - Due Diligence Vendor-05/12/2026 |
Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-05/21/2026 |
XX | IL | Investment | Refinance | Cash Out - Other | 9158817 | N/A | N/A | |||||
| 249 | XX | XX | XX | Closed | 2026-05-13 15:05 | 2026-06-08 09:16 | 2026-05-19 13:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached credit reports. - Buyer-05/19/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit Report is missing to verify - Monthly Debt Obligations. - Due Diligence Vendor-05/13/2026 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-05/19/2026 |
XX | OR | Primary Residence | Purchase | NA | 9184477 | N/A | N/A | |||||
| 249 | XX | XX | XX | Closed | 2026-05-13 15:02 | 2026-06-08 09:16 | 2026-06-08 09:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-06/08/2026
Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided credit report for B1/CB. condition resolved. - Due Diligence Vendor-05/19/2026 Ready for Review-UW manager response: Property in question was not sold, it is solely the responsibility of non-borrowing spouse, which is not required to be included in qualifying. - Buyer-05/19/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing final HUD-1 from sale of non-subject property - Application 1003 section 3A - 1XX. - Due Diligence Vendor-05/13/2026 |
Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-06/08/2026
Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided credit report for B1/CB. condition resolved. - Due Diligence Vendor-05/19/2026 |
OR | Primary Residence | Purchase | NA | 9184442 | N/A | N/A | ||||||
| 249 | XX | XX | XX | Closed | 2026-05-13 15:05 | 2026-06-08 09:16 | 2026-05-19 13:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided
credit report for B1/CB, property is B2 responsibility and do not need to be
included into debts. condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/19/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit Report is missing to verify Credit History. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender provided
credit report for B1/CB, property is B2 responsibility and do not need to be
included into debts. condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/19/2026 |
XX | OR | Primary Residence | Purchase | NA | 9184476 | N/A | N/A | |||||
| 249 | XX | XX | XX | Closed | 2026-05-13 15:01 | 2026-05-19 13:43 | 2026-05-19 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Lender provided
credit report for B1 and B2, property is B2 responsibility and do not need to
be included into debts. condition resolved. - Due Diligence Vendor-05/19/2026
Ready for Review-UW manager response: Property in question was not sold, it is solely the responsibility of non-borrowing spouse, which is not required to be included in qualifying. - Buyer-05/19/2026 Open-Missing final HUD-1 from sale of non-subject property - Application 1003 section 3A - XX. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender provided
credit report for B1 and B2, property is B2 responsibility and do not need to
be included into debts. condition resolved. - Due Diligence
Vendor-05/19/2026 |
OR | Primary Residence | Purchase | NA | 9184412 | N/A | N/A | ||||||
| 249 | XX | XX | XX | Closed | 2026-05-13 14:20 | 2026-05-19 13:43 | 2026-05-19 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided
credit report for B2 condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Investor-05/19/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender provided
credit report for B2 condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 |
XX | OR | Primary Residence | Purchase | NA | 9183034 | N/A | N/A | |||||
| 249 | XX | XX | XX | Closed | 2026-05-13 14:20 | 2026-05-19 13:42 | 2026-05-19 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided
credit report for B1 condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Investor-05/19/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender provided
credit report for B1 condition resolved. - Due Diligence Vendor-05/19/2026
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 |
XX | OR | Primary Residence | Purchase | NA | 9183033 | N/A | N/A | |||||
| 257 | XX | XX | XX | Closed | 2026-04-20 08:21 | 2026-04-20 08:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. provided valuation reports are within tolerance. - Due Diligence Vendor-04/20/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. provided valuation
reports are within tolerance. - Due Diligence Vendor-04/20/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8765720 | Investor Post-Close | No | |||||||
| 263 | XX | XX | XX | Closed | 2026-04-17 13:14 | 2026-04-23 14:50 | 2026-04-23 14:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
COC for the rate lock, which reflect Lender credit. condition resolved - Due
Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached COC. - Investor-04/22/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,019.00). The actual total fee amount shows a credit amount of ($301.46). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). Insufficient COC. - Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 |
Resolved-Lender provided
COC for the rate lock, which reflect Lender credit. condition resolved - Due
Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XX | The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,019.00). The actual total fee amount shows a credit amount of ($301.46). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | MD | Primary Residence | Purchase | NA | 8742681 | N/A | N/A | ||||
| 263 | XX | XX | XX | Closed | 2026-04-17 13:14 | 2026-04-23 14:50 | 2026-04-23 14:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
COC for the rate lock, which reflect Lender credit. condition resolved - Due
Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached COC. - Buyer-04/22/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). Insufficient COC. - Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 |
Resolved-Lender provided
COC for the rate lock, which reflect Lender credit. condition resolved - Due
Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XX | MD | Primary Residence | Purchase | NA | 8742680 | N/A | N/A | |||||
| 266 | XX | XX | XX | Closed | 2026-04-28 08:49 | 2026-05-06 15:41 | 2026-05-06 15:41 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided
documentation that a right to cancel is not required. - Due Diligence
Vendor-05/06/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. This was the permanent financing to their completed construction; therefore, there wasn’t a notice of right to cancel. - Buyer-05/06/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties Right to cancel document is missing - Due Diligence Vendor-04/28/2026 |
Resolved-Lender provided
documentation that a right to cancel is not required. - Due Diligence
Vendor-05/06/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-05/06/2026 |
XX | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8917849 | N/A | N/A | |||||
| 266 | XX | XX | XX | Closed | 2026-04-29 11:51 | 2026-05-06 15:40 | 2026-05-06 15:40 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided
documentation that a Right to Cancel form is not required on a Construction
to permanent transaction. - Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. This was the permanent financing to their completed construction; therefore, there wasn’t a notice of right to cancel. - Buyer-05/06/2026 Open-XX- Due Diligence Vendor-04/29/2026 Open-The loan disbursement date (2026-XX-24) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-28). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel document missing. - Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 |
Resolved-Lender provided
documentation that a Right to Cancel form is not required on a Construction
to permanent transaction. - Due Diligence Vendor-05/06/2026 |
XX | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8952935 | N/A | N/A | |||||
| 279 | XX | XX | XX | Closed | 2026-04-28 12:24 | 2026-05-05 11:34 | 2026-05-05 11:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock COC
updated. Resolved - Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/4/26 Please see uploaded COC for the CD 4/XX/2026 - Buyer-05/04/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($12,737.00). The Last CD shows a total lender credit amount of ($2,053.50). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC for change of Lender credit is missing - Due Diligence Vendor-04/28/2026 Open-XX- Due Diligence Vendor-04/28/2026 |
Resolved-Rate lock COC
updated. Resolved - Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
XX | MI | Primary Residence | Purchase | NA | 8925059 | N/A | N/A | |||||
| 279 | XX | XX | XX | Closed | 2026-04-28 12:24 | 2026-05-05 11:32 | 2026-05-05 11:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock COC
updated. Resolved - Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/4/26 Please see uploaded COC for the CD 4/8/2026 - Buyer-05/04/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($12,737.00). The actual total fee amount shows a credit amount of ($2,053.50). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC for change of Lender credit is missing - Due Diligence Vendor-04/28/2026 Open-XX- Due Diligence Vendor-04/28/2026 |
Resolved-Rate lock COC
updated. Resolved - Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
XX | MI | Primary Residence | Purchase | NA | 8925060 | N/A | N/A | |||||
| 291 | XX | XX | XX | Closed | 2026-04-01 07:11 | 2026-04-06 10:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Not required. - Due Diligence Vendor-04/06/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. Not required. - Due Diligence
Vendor-04/06/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 8424159 | Investor Post-Close | No | |||||||
| 296 | XX | XX | XX | Closed | 2026-04-09 12:50 | 2026-04-22 13:09 | 2026-04-22 13:09 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Cured-Cure received. B
Grade applies. - Due Diligence
Vendor-04/22/2026 Ready for Review-Please see attached cure package. - Buyer-04/21/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Mavent is failing for Credit report fee increase from $126.00 to $129.00 and COC is present however no information given for fee increase. - Due Diligence Vendor-04/09/2026 Open-XX- Due Diligence Vendor-04/09/2026 |
Cured-Cure received. B
Grade applies. - Due Diligence
Vendor-04/22/2026 |
FL | Primary Residence | Purchase | NA | 8580507 | N/A | N/A | ||||||
| 296 | XX | XX | XX | Closed | 2026-04-09 12:50 | 2026-04-22 13:09 | 2026-04-22 13:09 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Cured-Cure received. B
Grade applies. - Due Diligence
Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-04/21/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). XX is failing for Credit report fee increase from $126.00 to $129.00 and COC is present however no information given for fee increase. - Due Diligence Vendor-04/09/2026 Open-XX- Due Diligence Vendor-04/09/2026 |
Cured-Cure received. B
Grade applies. - Due Diligence
Vendor-04/22/2026 |
XX | FL | Primary Residence | Purchase | NA | 8580506 | N/A | N/A | |||||
| 297 | XX | XX | XX | Closed | 2026-04-02 04:39 | 2026-04-14 13:54 | 2026-04-14 13:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-Variance was due
to $110 Lender paid credit report. Resolved.
- Due Diligence Vendor-04/14/2026 Resolved-Resolved - Due Diligence Vendor-04/14/2026 Ready for Review-Finding invalid. The Credit Report fee was disclosed as $114.45 on the initial Loan Estimate; however, because the LE system does not permit the disclosure of cents, the amount was rounded down and disclosed as $114. The borrower paid $114.45 at closing, which does not represent an increase over the amount initially disclosed. Therefore, no violation occurred and no cure is required. - Investor-04/14/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/02/2026 Open-XX- Due Diligence Vendor-04/02/2026 Open-XX- Due Diligence Vendor-04/02/2026 |
Resolved-Variance was due
to $110 Lender paid credit report. Resolved.
- Due Diligence Vendor-04/14/2026 Resolved-Resolved - Due Diligence Vendor-04/14/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8446847 | N/A | N/A | ||||||
| 297 | XX | XX | XX | Closed | 2026-04-02 04:39 | 2026-04-14 13:54 | 2026-04-14 13:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-Variance was due
to $110 Lender paid credit report. Resolved.
- Due Diligence Vendor-04/14/2026 Resolved-Resolved - Due Diligence Vendor-04/14/2026 Ready for Review-Finding invalid. The Credit Report fee was disclosed as $114.45 on the initial Loan Estimate; however, because the LE system does not permit the disclosure of cents, the amount was rounded down and disclosed as $114. The borrower paid $114.45 at closing, which does not represent an increase over the amount initially disclosed. Therefore, no violation occurred and no cure is required. - Buyer-04/14/2026 Open-XX- Due Diligence Vendor-04/02/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-04/02/2026 Open-XX- Due Diligence Vendor-04/02/2026 |
Resolved-Variance was due
to $110 Lender paid credit report. Resolved.
- Due Diligence Vendor-04/14/2026 Resolved-Resolved - Due Diligence Vendor-04/14/2026 |
The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8446846 | N/A | N/A | |||||
| 297 | XX | XX | XX | Closed | 2026-04-01 00:50 | 2026-04-01 00:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-04/01/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-04/01/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8419267 | Investor Post-Close | No | |||||||
| 303 | XX | XX | XX | Closed | 2026-04-28 10:00 | 2026-05-06 15:46 | 2026-05-06 15:46 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided
documentation hazard insurance effective prior to disbursement. - Due
Diligence Vendor-05/06/2026 Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. hoi - Buyer-05/06/2026 Open-Hazard Insurance Effective Date of 04-XX-2026 is after the Disbursement Date of 04-XX-2026 The hazard Insurance policy is only available for the Current period from 04/25/2026 to 04/25/2027, is after 04/24/26. - Due Diligence Vendor-04/28/2026 |
Resolved-Lender provided
documentation hazard insurance effective prior to disbursement. - Due
Diligence Vendor-05/06/2026 Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/06/2026 |
XX | UT | Primary Residence | Purchase | NA | 8919624 | N/A | N/A | |||||
| 303 | XX | XX | XX | Closed | 2026-04-29 14:37 | 2026-05-05 15:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception reviewed
and approved with a max DTI of 40%. Subject DTI is 37.32%. Finding is
waived. - Due Diligence
Vendor-05/05/2026 Ready for Review-can you please provide clarification as to what is still needed? - Investor-05/05/2026 Counter-I order for Exception to valid must meet all of the compensating factors- 36.864% listed is the front end, not the back end of 37.32%, Reserves Audit 177557.88 vs minimum $75134.25 6 months of loan amount and additional 3 months for FTHB, vs 152895.52 reserves vs minimum of 8244.81. Condition remains. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. sle - Buyer-05/01/2026 Open-Housing History Does Not Meet Guideline Requirements Exception - page 209 - Housing Payment History Requesting exception due to borrower is FTHB and has lived rent free for more than the last 12 months and does not have a payment history as lived rent free for more than that last 2 years - Due Diligence Vendor-04/29/2026 |
Waived-Exception reviewed
and approved with a max DTI of 40%. Subject DTI is 37.32%. Finding is
waived. - Due Diligence
Vendor-05/05/2026 |
XX | Compensating Factors: 36.864% DTI vs 50% max, $152,895.52
reserves cs $8244.81 minimum, 797 FICO vs 720 min. Exception approved with the following conditions: Min FICO 797, Max DTI 40%, Max LTV 85, Min Reserves $130,000 |
UT | Primary Residence | Purchase | NA | 8957934 | Originator Pre-Close | N/A | |||||
| 303 | XX | XX | XX | Closed | 2026-04-28 11:02 | 2026-04-29 14:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are with in tolerance. - Due Diligence Vendor-04/29/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are with in tolerance. - Due Diligence Vendor-04/29/2026 |
UT | Primary Residence | Purchase | NA | 8922813 | Investor Post-Close | No | |||||||
| 305 | XX | XX | XX | Closed | 2026-05-13 14:49 | 2026-05-18 09:26 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and
Employment Do Not Meet Guidelines EXCEPTION REQUESTED: This score band requires an exception for NSF's. Due to the cmplexities of the cash flow of the business there are NSF's which are ALWAYS covered by xx Bank. They do not offer sweep accounts and the borrower is loyal to the bank. This is a cost of doing business and part of the borrower's business management - Due Diligence Vendor-05/13/2026 |
Waived-Income and
Employment Do Not Meet Guidelines EXCEPTION REQUESTED: This score band requires an exception for NSF's. Due to the cmplexities of the cash flow of the business there are NSF's which are ALWAYS covered by XX. They do not offer sweep accounts and the borrower is loyal to the bank. This is a cost of doing business and part of the borrower's business management - Due Diligence Vendor-05/13/2026 |
COMPENSATING FACTORS: Reserves: 113k vs the 73,500.00 required (23 months--cash out proceeds $113k from loan 9726085328, simultaneous closing)--reserve total based off loan 9726085328 due to having higher monthly payment FICO: 701 FICO vs 680 required (for both loans) DTI: 23% DTI vs 50% guideline (for both loans) LTV: 70% LTV vs 75% guideline (for both loans) |
CA | Investment | Refinance | Cash Out - Other | 9184122 | Originator Pre-Close | Yes | ||||||
| 316 | XX | XX | XX | Closed | 2026-04-15 13:10 | 2026-05-11 11:41 | 2026-05-11 11:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Resolved - Due Diligence Vendor-05/11/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($3,336.00). The actual total fee amount shows a credit amount of ($2,538.40). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/11/2026 Open-XX- Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Original LE has a loan amount of $716,250 with a lender credit of 0.839% = $6,009. Revised LE dated 3/10/26 shows loan amount of $XX and lender credit of 0.439% = $3,144. Revised LE dated 3/18/26 show loan amount of $XX with a lender credit changed to 0.334% = $3,336. Initial CD shows loan amount of $XX with a credit of 0.334% = $2,538.40. COC attached for 03-20 COC. - Investor-05/08/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($6,009.00). The actual total fee amount shows a credit amount of ($2,538.40). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid COC is not available. - Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/15/2026 |
Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Resolved - Due Diligence Vendor-05/11/2026 |
XX | VA | Primary Residence | Purchase | NA | 8684579 | N/A | N/A | |||||
| 316 | XX | XX | XX | Closed | 2026-04-15 13:10 | 2026-05-11 11:40 | 2026-05-11 11:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Resolved - Due Diligence Vendor-05/11/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($3,336.00). The Last CD shows a total lender credit amount of ($2,538.40). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/11/2026 Open-XX- Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Original LE has a loan amount of $716,250 with a lender credit of 0.839% = $6,009. Revised LE dated 3/10/26 shows loan amount of $XX and lender credit of 0.439% = $3,144. Revised LE dated 3/18/26 show loan amount of $XX with a lender credit changed to 0.334% = $3,336. Initial CD shows loan amount of $XX with a credit of 0.334% = $2,538.40. COC attached for 03-20 COC. - Investor-05/08/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($6,009.00). The Last CD shows a total lender credit amount of ($2,538.40). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid COC is not available. - Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/15/2026 |
Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Resolved - Due Diligence Vendor-05/11/2026 |
XX | VA | Primary Residence | Purchase | NA | 8684578 | N/A | N/A | |||||
| 316 | XX | XX | XX | Closed | 2026-04-15 12:35 | 2026-04-23 14:44 | 2026-04-23 14:44 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure
Provided Within 3 Days of Application Date or Not Applicable (Occupancy is
Primary Residence and Note Type is ARM) condition resolved. - Due Diligence
Vendor-04/23/2026 Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Please see attached ARM disclosure. - Buyer-04/22/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-04/15/2026 |
Resolved-ARM Disclosure
Provided Within 3 Days of Application Date or Not Applicable (Occupancy is
Primary Residence and Note Type is ARM) condition resolved. - Due Diligence
Vendor-04/23/2026 Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/23/2026 |
XX | VA | Primary Residence | Purchase | NA | 8683484 | N/A | N/A | |||||
| 316 | XX | XX | XX | Closed | 2026-04-15 12:35 | 2026-04-15 12:35 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete CHARM Booklet is Missing - Due Diligence Vendor-04/15/2026 | Acknowledged-TILA: CHARM
Booklet is Missing or Incomplete CHARM Booklet is Missing - Due Diligence
Vendor-04/15/2026 |
VA | Primary Residence | Purchase | NA | 8683483 | Investor Post-Close | No | |||||||
| 324 | XX | XX | XX | Closed | 2026-04-06 08:55 | 2026-04-06 08:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/06/2026 |
WI | Second Home | Refinance | No Cash Out - Borrower Initiated | 8498458 | Investor Post-Close | No | |||||||
| 336 | XX | XX | XX | Closed | 2026-05-13 15:16 | 2026-05-20 15:33 | 2026-05-20 15:33 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Document Uploaded.
Credit documents expire within 90 days of note per UW guidelines. Business
entity confirmed Active through Virginia Secretary of State as of 5/20/2026.
- Due Diligence Vendor-05/20/2026 Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 05-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/20/2026 Ready for Review-UW manager response: COGS does not expire, vesting guidelines does not have a expiration date. - Buyer-05/19/2026 Open-Evidence of Good Standing in file is dated 01-XX-2026 and note is dated 05-XX-2026. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 01-XX-2026 and note is dated 05-XX-2026. Document age of 94 days exceeds guidelines. - Due Diligence Vendor-05/13/2026 |
Resolved-Document Uploaded.
Credit documents expire within 90 days of note per UW guidelines. Business
entity confirmed Active through Virginia Secretary of State as of 5/XX/2026.
- Due Diligence Vendor-05/20/2026 Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 05-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/20/2026 |
XX | VA | Investment | Purchase | NA | 9185109 | N/A | N/A | |||||
| 341 | XX | XX | XX | Closed | 2026-05-12 13:36 | 2026-05-18 15:30 | 2026-05-18 15:30 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation
provided for e-consent dated 04/09/2026. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see attached audit trail with e-consent dated 04-XX-26. - Buyer-05/18/2026 Open-XX-Consent documentation is missing for borrower(s). E-Sign Disclosure Tracking Form date is 04/23/2026 & E-Sign Earliest Disclosure sign date is 04/09/2026. - Due Diligence Vendor-05/12/2026 |
Resolved-Documentation
provided for e-consent dated 04/09/2026. - Due Diligence Vendor-05/18/2026 |
XX | CA | Primary Residence | Purchase | NA | 9158303 | N/A | N/A | |||||
| 352 | XX | XX | XX | Closed | 2026-05-15 12:47 | 2026-05-15 12:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/15/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 9223967 | Investor Post-Close | No | |||||||
| 355 | XX | XX | XX | Closed | 2026-04-06 10:10 | 2026-04-08 12:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due
Diligence Vendor-04/08/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 |
Rescinded-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/06/2026 |
CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8500348 | Investor Post-Close | No | |||||||
| 358 | XX | XX | XX | Closed | 2026-05-12 14:15 | 2026-05-22 11:08 | 2026-05-22 11:08 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document
received - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached full copy of title commitment to investor - Buyer-05/21/2026 Open-Title Document is missing Title Supplemental report available but schedule A, schedule B Exception, Requirement and tax details are missing. - Due Diligence Vendor-05/12/2026 |
Resolved-Title Document
received - Due Diligence Vendor-05/22/2026 |
XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 9159501 | N/A | N/A | |||||
| 361 | XX | XX | XX | Closed | 2026-05-12 10:36 | 2026-05-15 15:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-05/15/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 9153286 | Investor Post-Close | No | |||||||
| 363 | XX | XX | XX | Closed | 2026-04-14 12:39 | 2026-04-14 12:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-04/14/2026 |
MI | Second Home | Refinance | No Cash Out - Borrower Initiated | 8657623 | Investor Post-Close | No | |||||||
| 372 | XX | XX | XX | Closed | 2026-04-29 10:22 | 2026-05-05 19:22 | 2026-05-05 19:22 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Thank you for
providing the New York pamphlet “What Mortgage Applicants Need to Know”.
Resolved. - Due Diligence
Vendor-05/06/2026 Resolved-Disclosure provided. - Due Diligence Vendor-05/06/2026 Ready for Review-The disclosure is located on page 45 of the attached initial disclosures. the combined disclosure acknowledges receipt of the initial disclosures. - Buyer-05/05/2026 Counter-Home Loan Toolkit and acknowledgement of its receipt provided. That disclosure is not what's needed. Missing the New York pamphlet “What Mortgage Applicants Need to Know” , which is a NY State required disclosure. Not resolved. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/04/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. The require document of What Mortgage applicants Need to Know is not found on file. 04/29/2026 - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing the New York pamphlet “What Mortgage Applicants Need to Know”.
Resolved. - Due Diligence
Vendor-05/06/2026 Resolved-Disclosure provided. - Due Diligence Vendor-05/06/2026 |
XX | NY | Investment | Purchase | NA | 8949419 | N/A | N/A | |||||
| 372 | XX | XX | XX | Closed | 2026-05-01 09:39 | 2026-05-01 09:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/01/2026 |
NY | Investment | Purchase | NA | 8998685 | Investor Post-Close | No | |||||||
| 376 | XX | XX | XX | Closed | 2026-05-13 15:12 | 2026-05-13 15:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/13/2026 |
GA | Primary Residence | Purchase | NA | 9184708 | Investor Post-Close | No | |||||||
| 386 | XX | XX | XX | Closed | 2026-05-13 10:59 | 2026-05-20 14:51 | 2026-05-20 14:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. cogs - Buyer-05/20/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-05/13/2026 |
Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-05/20/2026 |
XX | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 9177264 | N/A | N/A | |||||
| 389 | XX | XX | XX | Closed | 2026-03-20 04:47 | 2026-04-08 13:00 | 2026-04-08 13:00 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Previous policy
provided. Resolved. - Due Diligence
Vendor-04/08/2026 Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Disbursement Date of 03-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. HOI past and current policy - Buyer-04/08/2026 Open-Hazard Insurance Effective Date of 03-XX-2026 is after the Disbursement Date of 03-XX-2026 - Due Diligence Vendor-03/20/2026 |
Resolved-Previous policy
provided. Resolved. - Due Diligence
Vendor-04/08/2026 Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Disbursement Date of 03-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/08/2026 |
XX | FL | Investment | Refinance | Cash Out - Other | 8230791 | N/A | N/A | |||||
| 392 | XX | XX | XX | Closed | 2026-04-30 14:53 | 2026-05-05 18:01 | 2026-05-05 18:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock date
updated. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. coc - Buyer-05/05/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($690.00). The Last CD shows a total lender credit amount of ($493.92). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid Changed of Circumstances is not provided. For lender credit decrease. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-Rate lock date
updated. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
XX | FL | Primary Residence | Purchase | NA | 8979246 | N/A | N/A | |||||
| 392 | XX | XX | XX | Closed | 2026-04-30 14:53 | 2026-05-05 18:01 | 2026-05-05 18:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock date
updated. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. coc - Seller-05/05/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($690.00). The actual total fee amount shows a credit amount of ($493.92). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid Changed of Circumstances is not provided. For lender credit decrease. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Ready for Review-Document
Uploaded. coc - Seller-05/05/2026 |
Resolved-Rate lock date
updated. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
XX | FL | Primary Residence | Purchase | NA | 8979248 | N/A | N/A | ||||
| 392 | XX | XX | XX | Closed | 2026-04-30 14:28 | 2026-04-30 14:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-04/30/2026 | Acknowledged-Homeownership
Counseling Organizations Disclosure Missing or Incomplete Homeownership
Counseling Organizations Disclosure Missing - Due Diligence
Vendor-04/30/2026 |
FL | Primary Residence | Purchase | NA | 8978579 | Investor Post-Close | No | |||||||
| 393 | XX | XX | XX | Closed | 2026-04-06 12:15 | 2026-04-06 12:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/06/2026 |
NM | Second Home | Refinance | Cash Out - Other | 8505298 | Investor Post-Close | No | |||||||
| 397 | XX | XX | XX | Closed | 2026-05-14 03:03 | 2026-05-15 14:18 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/14/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-05/14/2026 |
FL | Second Home | Purchase | NA | 9192342 | Investor Post-Close | No | |||||||
| 397 | XX | XX | XX | Closed | 2026-05-15 14:18 | 2026-05-15 14:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/15/2026 |
FL | Second Home | Purchase | NA | 9226074 | Investor Post-Close | No | |||||||
| 401 | XX | XX | XX | Closed | 2026-04-06 11:23 | 2026-04-22 13:26 | 2026-04-22 13:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Thank you for
providing the disclosure dated 02/04/26. Resolved. - Due Diligence Vendor-04/22/2026 Resolved-Resolved - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. initial docs 020426 - Buyer-04/22/2026 Open-XX- Due Diligence Vendor-04/10/2026 Open-XX- Due Diligence Vendor-04/10/2026 Open-XX- Due Diligence Vendor-04/10/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-05) is more than 3 business days from the Application Date (2026-XX-04). Three business days from the Application Date is (2026-XX-09). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Date taken from Homeownership Counseling Organization Disclosure - Due Diligence Vendor-04/06/2026 Open-XX- Due Diligence Vendor-04/10/2026 Open-XX- Due Diligence Vendor-04/06/2026 Open-XX- Due Diligence Vendor-04/06/2026 Open-XX- Due Diligence Vendor-04/06/2026 |
Resolved-Thank you for
providing the disclosure dated 02/04/26. Resolved. - Due Diligence Vendor-04/22/2026 Resolved-Resolved - Due Diligence Vendor-04/22/2026 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 8503640 | N/A | N/A | |||||
| 401 | XX | XX | XX | Closed | 2026-04-14 12:48 | 2026-04-14 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-04/14/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 8658005 | Investor Post-Close | No | |||||||
| 408 | XX | XX | XX | Closed | 2026-05-12 07:39 | 2026-05-18 15:44 | 2026-05-18 15:44 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided
documentation of the hazard insurance shortfall. - Due Diligence
Vendor-05/18/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please see attached insurance policy which shows the coverage is replacement cost coverage, which is allowed by FNMA guidelines. - Buyer-05/18/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-05/12/2026 |
Resolved-Lender provided
documentation of the hazard insurance shortfall. - Due Diligence
Vendor-05/18/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/18/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 9148931 | N/A | N/A | |||||
| 409 | XX | XX | XX | Closed | 2026-05-12 13:23 | 2026-05-13 18:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 | Waived-Audited Loan Amount
of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 |
FICO 788 vs 720 required. Reserves of $60,000 vs $5,000 required | KS | Investment | Purchase | NA | 9157870 | Originator Pre-Close | Yes | ||||||
| 416 | XX | XX | XX | Closed | 2026-05-01 09:02 | 2026-05-07 14:29 | 2026-05-07 14:26 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good
Standing in file is dated 05-XX-2026 and note is dated 04-XX-2026. Document
age of days is within guidelines. -
Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. cogs - Buyer-05/07/2026 Open-Evidence of Good Standing in file is dated 01-XX-2024 and note is dated 04-XX-2026. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 01-XX-2024 and note is dated 04-XX-2026. Document age of days exceeds guidelines. - Due Diligence Vendor-05/01/2026 |
Resolved-Evidence of Good
Standing in file is dated 05-XX-2026 and note is dated 04-XX-2026. Document
age of days is within guidelines. -
Due Diligence Vendor-05/07/2026 |
XX | PA | Investment | Purchase | NA | 8997674 | N/A | N/A | |||||
| 420 | XX | XX | XX | Closed | 2026-05-05 10:35 | 2026-05-11 10:03 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A lender exception
is present in the loan file, dated prior to consummation (downgraded to
non-material) - Due Diligence
Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/08/2026 Open-Housing History Does Not Meet Guideline Requirements Exception page - 462 - FTHB living rent free > 12 months - Due Diligence Vendor-05/05/2026 |
Waived-A lender exception
is present in the loan file, dated prior to consummation (downgraded to
non-material) - Due Diligence
Vendor-05/11/2026 |
XX | Compensating Factors: • FICO of 808 VS Min FICO of 640 • (Post-Closing) Reserves of $27,000 (10 Months) VS $8100 (3 Months) required • 5 years of (self) employment VS 2 Years required 73% LTV, all borrower's own funds. | FL | Primary Residence | Purchase | NA | 9045424 | Originator Pre-Close | Yes | |||||
| 424 | XX | XX | XX | Closed | 2026-05-14 09:36 | 2026-05-18 14:42 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-XX-08) is
more than 3 business days from the Application Date (2026-XX-27). Updated as
per documents in loan file. - Due Diligence Vendor-05/14/2026 Open-XX- Due Diligence Vendor-05/14/2026 Open-XX- Due Diligence Vendor-05/14/2026 |
Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-04-08) is
more than 3 business days from the Application Date (2026-01-XX). Updated as
per documents in loan file. - Due Diligence Vendor-05/14/2026 |
CA | Primary Residence | Purchase | NA | 9199459 | Investor Post-Close | No | |||||||
| 424 | XX | XX | XX | Closed | 2026-05-14 07:06 | 2026-05-14 07:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/14/2026 |
CA | Primary Residence | Purchase | NA | 9196434 | Investor Post-Close | No | |||||||
| 448 | XX | XX | XX | Closed | 2026-05-04 09:13 | 2026-06-10 12:48 | 2026-06-10 12:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has
been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. other loan docs - Buyer-05/06/2026 Open-1003 application discloses 3 additional REO properties, identified as XX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. - Due Diligence Vendor-05/04/2026 |
Resolved-Notes document has
been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 |
XX | CO | Investment | Purchase | NA | 9022271 | N/A | N/A | |||||
| 451 | XX | XX | XX | Closed | 2026-05-12 07:07 | 2026-05-21 15:35 | 2026-05-21 15:35 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Docs received -
Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures signed by the borrower; Privacy Notice is located on page 36-38. - Buyer-05/20/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice is missing - Due Diligence Vendor-05/12/2026 |
Resolved-Docs received -
Due Diligence Vendor-05/21/2026 |
XX | HI | Primary Residence | Refinance | Cash Out - Other | 9148517 | N/A | N/A | |||||
| 453 | XX | XX | XX | Closed | 2026-05-13 08:57 | 2026-05-13 08:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/13/2026 |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9172887 | Investor Post-Close | No | |||||||
| 457 | XX | XX | XX | Closed | 2026-05-12 10:09 | 2026-05-21 09:53 | 2026-05-21 09:53 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-05/21/2026 Resolved-Documents received - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/20/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-05/12/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-05/21/2026 Resolved-Documents received - Due Diligence Vendor-05/21/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9151900 | N/A | N/A | |||||
| 464 | XX | XX | XX | Closed | 2026-06-11 11:16 | 2026-06-17 10:30 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Property Value Doc Source | Waived-Wavier Applied; Lender provided detailed report to explain
the reasoning behind using more recent appraisal with a value of $790,000,
which was supported by a Desk Review with zero variance and low risk. Appraisal values were within 10% of each
other. The decision to reply on the
replacement appraisal is supported by CRT review and acceptance, as well as
an independent valuation conclusion. -
Due Diligence Vendor-06/11/2026 Open-Document Uploaded. The Collateral Review Team couldn’t sufficiently get the first appraiser to address defects on the appraisal so a new full appraisal was ordered (with approval by CRT) and was found to be more valid than the first. Three unit, new construction. The deficiencies in the original appraisal could not be sufficiently resolved through revision. A full replacement appraisal was ordered based on unresolved concerns, including inconsistency with internal records, insufficient reconciliation of market data and limitations in comparable support for a 3-unit property. The Final Appraisal was reviewed by the CRT and accepted determining that the comparable selection, adjustment methodology and income assumptions were adequately supported. - Due Diligence Vendor-06/11/2026 Open-Missing Property Value Doc Source. File contains 2 appraisal $XX dated 02/XX/2026 and $XX dated 04/08/2026; both with Desk Reviews that support with 0% variance and low risk. Lender used the higher value for LTV. Please provide reasoning in using the higher value. - Due Diligence Vendor-06/11/2026 |
The subject property is a 3
unit PUD, new construction. When the first appraisal was completed on
02/XX/2026 there were no closed sales in subjects development, only a pending
sale and the closest closed comp was 11.5 miles away and vacant. A new
appraisal was completed on 4/XX/2026 after the first unit closed. This
appraisal includes 1 closed comp from inside the development, the exact unit
with the same sales price, a closer closed sale comp was provided, 4.5 milers
away and 3 units rented. Additionally, 2 pending sales were also provided. A
CDA supporting the value with a Low Risk score was provided to support the
2nd appraisals value. The difference between the 2 appraised values is only
-3.16% - 06/17/2026 |
Waived-Wavier Applied; Lender provided detailed report to explain
the reasoning behind using more recent appraisal with a value of XX which was
supported by a Desk Review with zero variance and low risk. Appraisal values were within 10% of each
other. The decision to reply on the
replacement appraisal is supported by CRT review and acceptance, as well as
an independent valuation conclusion. -
Due Diligence Vendor-06/11/2026 |
XX | 3-Unit, New Construction; Desk Review supports value with 0% variance | TX | Investment | Purchase | NA | 9694625 | Originator Pre-Close | Yes | ||||
| 464 | XX | XX | XX | Closed | 2026-05-01 10:45 | 2026-05-11 08:08 | 2026-05-11 08:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-05/08/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-05/01/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/11/2026 |
XX | TX | Investment | Purchase | NA | 9001048 | N/A | N/A | |||||
| 476 | XX | XX | XX | Closed | 2026-05-12 10:09 | 2026-05-12 11:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9151889 | Investor Post-Close | No | |||||||
| 479 | XX | XX | XX | Closed | 2026-04-30 16:35 | 2026-05-05 20:03 | 2026-05-05 20:03 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Thank you for
providing the Post Closing CD. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. pccd - Buyer-05/05/2026 Open-The loan disbursement date (2026-XX-20) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-20). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2026-XX-20) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-20). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. Provide verification of the actual disbursement date or Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Additional conditions may apply. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-Thank you for
providing the Post Closing CD. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 8981837 | N/A | N/A | |||||
| 496 | XX | XX | XX | Closed | 2026-05-04 13:34 | 2026-05-15 16:29 | 2026-05-15 16:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due
Diligence Vendor-05/15/2026 Ready for Review-XX- Due Diligence Vendor-05/15/2026 Resolved-Resolved - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($293.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fees you are missing a COC for. - Buyer-05/14/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/04/2026 Open-XX- Due Diligence Vendor-05/04/2026 |
Resolved-Resolved - Due
Diligence Vendor-05/15/2026 Resolved-Resolved - Due Diligence Vendor-05/15/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 9028893 | N/A | N/A | |||||
| 496 | XX | XX | XX | Closed | 2026-05-04 13:34 | 2026-05-15 16:29 | 2026-05-15 16:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due
Diligence Vendor-05/15/2026 Ready for Review-XX- Due Diligence Vendor-05/15/2026 Resolved-Resolved - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($293.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-05/15/2026 Open-XX- Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fees you are missing a COC for. - Investor-05/14/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/06/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/04/2026 Open-XX- Due Diligence Vendor-05/04/2026 |
Resolved-Resolved - Due
Diligence Vendor-05/15/2026 Resolved-Resolved - Due Diligence Vendor-05/15/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 9028894 | N/A | N/A | |||||
| 496 | XX | XX | XX | Closed | 2026-05-04 10:47 | 2026-05-05 20:23 | 2026-05-05 20:23 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Thank you for
providing a copy of the Tax Bill. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see attached copy of tax bill. - Seller-05/05/2026 Open-Missing Evidence of Property Tax updated tax cert is missing how ever consider the tax amount from lender worksheet page#835 - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document
Uploaded. Please see attached copy of tax bill. - Seller-05/05/2026 |
Resolved-Thank you for
providing a copy of the Tax Bill. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 9024474 | N/A | N/A | ||||
| 496 | XX | XX | XX | Closed | 2026-05-04 14:19 | 2026-05-04 14:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/04/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-05/04/2026 |
CA | Investment | Refinance | Cash Out - Other | 9029727 | Investor Post-Close | No | |||||||
| 497 | XX | XX | XX | Closed | 2026-03-25 22:08 | 2026-04-08 11:49 | 2026-04-08 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-HO6 with Rent Loss
Coverage provided. Resolved. - Due
Diligence Vendor-04/08/2026 Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-04/07/2026 Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/26/2026 |
Resolved-HO6 with Rent Loss
Coverage provided. Resolved. - Due
Diligence Vendor-04/08/2026 Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/08/2026 |
XX | OR | Investment | Refinance | Cash Out - Other | 8326107 | N/A | N/A | |||||
| 500 | XX | XX | XX | Closed | 2026-05-01 08:07 | 2026-06-10 12:52 | 2026-06-10 12:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has
been Provided. Finding Resolved - Due
Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. docs for other properties - Buyer-05/06/2026 Open-1003 application discloses 3 additional REO properties, identified as XX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. - Due Diligence Vendor-05/01/2026 |
Resolved-Notes document has
been Provided. Finding Resolved - Due
Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 |
XX | CO | Investment | Purchase | NA | 8996427 | N/A | N/A | |||||
| 502 | XX | XX | XX | Closed | 2026-05-14 06:33 | 2026-05-14 06:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/14/2026 |
NY | Second Home | Purchase | NA | 9195625 | Investor Post-Close | No | |||||||
| 503 | XX | XX | XX | Closed | 2026-05-04 13:06 | 2026-06-10 12:54 | 2026-06-10 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has
been Provided. Finding Resolved - Due
Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. other property notes and cds - Buyer-05/06/2026 Open-1003 application discloses 3 additional REO properties, identified as XXX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. - Due Diligence Vendor-05/04/2026 |
Resolved-Notes document has
been Provided. Finding Resolved - Due
Diligence Vendor-06/10/2026 Resolved-received - Due Diligence Vendor-05/07/2026 |
XX | CO | Investment | Purchase | NA | 9028407 | N/A | N/A | |||||
| 505 | XX | XX | XX | Closed | 2026-04-01 10:20 | 2026-04-06 12:18 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-XX-29) is
more than 3 business days from the Application Date (2026-XX-XX). Three
business days from the Application Date is (2026-XX-XX). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) Application date is 1/21/2026 and
HOMEOWNERSHIP COUNSELING DISCLOSURE 2/5/2026 - Due Diligence
Vendor-04/01/2026 Open-XX- Due Diligence Vendor-04/01/2026 Open-XX- Due Diligence Vendor-04/01/2026 |
Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-01-29) is
more than 3 business days from the Application Date (2026-01-XX). Three
business days from the Application Date is (2026-01-XX). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) Application date is 1/21/2026 and
HOMEOWNERSHIP COUNSELING DISCLOSURE 2/5/2026 - Due Diligence
Vendor-04/01/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 8429678 | Investor Post-Close | No | |||||||
| 508 | XX | XX | XX | Closed | 2026-04-28 07:33 | 2026-05-05 13:41 | 2026-05-05 13:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Thank you for
providing the initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/4/26 Please see uploaded ICD dated 04.XX.26 - Buyer-05/04/2026 Open-The Initial Closing Disclosure Received Date of (2026-XX-XX) is not three business days before the consummation date of (2026-XX-XX). Three business days before the consummation date is (XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure is missing - Due Diligence Vendor-04/28/2026 Open-XX- Due Diligence Vendor-04/28/2026 |
Resolved-Thank you for
providing the initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8916332 | N/A | N/A | |||||
| 508 | XX | XX | XX | Closed | 2026-04-29 11:45 | 2026-05-05 13:40 | 2026-05-05 13:40 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Thank you for
providing the initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/XX/26 Please see uploaded ICD dated 04.XX.26 - Buyer-05/04/2026 Open-Initial CD missing file. - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing the initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8952698 | N/A | N/A | |||||
| 510 | XX | XX | XX | Closed | 2026-04-16 16:10 | 2026-05-11 08:11 | 2026-05-11 08:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Investor-05/08/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/16/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/11/2026 |
XX | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8717162 | N/A | N/A | |||||
| 510 | XX | XX | XX | Closed | 2026-04-15 08:09 | 2026-04-27 08:07 | 2026-04-27 08:07 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-04/27/2026 Resolved-XX- Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. cbr - Investor-04/22/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/15/2026 |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-04/27/2026 |
XX | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8674909 | N/A | N/A | |||||
| 510 | XX | XX | XX | Closed | 2026-04-16 16:21 | 2026-04-27 08:07 | 2026-04-27 08:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 Resolved-Verified on credit report - Due Diligence Vendor-04/27/2026 Ready for Review-this mortgage is showing on the credit report with full mortgage payment history - Buyer-04/24/2026 Open-Housing History Does Not Meet Guideline Requirements The file is missing a satisfactory 12-month housing history for the borrowers' primary residence on XX. - Due Diligence Vendor-04/16/2026 |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 Resolved-Verified on credit report - Due Diligence Vendor-04/27/2026 |
OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8717298 | N/A | N/A | ||||||
| 511 | XX | XX | XX | Closed | 2026-03-23 06:46 | 2026-04-08 12:36 | 2026-04-08 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-4506
Received. - Due Diligence
Vendor-04/08/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached 4506C - Buyer-04/08/2026 Counter-Confirmed. Please provide executed 4506C - Due Diligence Vendor-04/06/2026 Ready for Review-Please confirm that we need to provide 4506-C (not 4506-T) to clear this condition. Thanks. - Buyer-04/06/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-03/23/2026 |
Resolved-4506
Received. - Due Diligence
Vendor-04/08/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/08/2026 |
XX | PA | Primary Residence | Refinance | Cash Out - Other | 8261021 | N/A | N/A | |||||
| 514 | XX | XX | XX | Closed | 2026-04-30 10:45 | 2026-05-05 19:03 | 2026-05-05 19:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender paid fees
updated. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Per the attached final CD, the state tax/stamps in amount of $3454 were paid by the lender at closing. - Investor-05/05/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3,064.24) were applied to the total fee variance of ($3,454.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/01/2026 Open-Lender Credit was decreased however don't have COC. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-Lender paid fees
updated. Resolved. - Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8972707 | N/A | N/A | |||||
| 514 | XX | XX | XX | Closed | 2026-04-30 10:45 | 2026-05-05 19:03 | 2026-05-05 19:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-9766556345 - Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 Open-XX- Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Per the attached final CD, the state tax/stamps in amount of $3454 were paid by the lender at closing. - Buyer-05/05/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3,064.24) were applied to the total fee variance of ($3,454.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/01/2026 Open-Lender Credit was decreased however don't have COC. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-9766556345 - Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8972706 | N/A | N/A | |||||
| 516 | XX | XX | XX | Closed | 2026-04-02 14:40 | 2026-04-28 12:29 | 2026-04-28 12:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-COC for appraisal
received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 Resolved-Resolved - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. coc - Buyer-04/28/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is missing for increase in Points - Loan Discount Fee and Appraisal Fee. - Due Diligence Vendor-04/02/2026 Open-XX- Due Diligence Vendor-04/08/2026 Open-XX- Due Diligence Vendor-04/02/2026 |
Resolved-COC for appraisal
received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 Resolved-Resolved - Due Diligence Vendor-04/28/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8461228 | N/A | N/A | |||||
| 516 | XX | XX | XX | Closed | 2026-04-02 14:40 | 2026-04-28 12:29 | 2026-04-28 12:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-COC for appraisal
received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 Resolved-Resolved - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. coc - Buyer-04/28/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is missing for increase in Points - Loan Discount Fee and Appraisal Fee. - Due Diligence Vendor-04/02/2026 Open-XX- Due Diligence Vendor-04/08/2026 Open-XX- Due Diligence Vendor-04/02/2026 |
Resolved-COC for appraisal
received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 Resolved-Resolved - Due Diligence Vendor-04/28/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Other | 8461229 | N/A | N/A | |||||
| 516 | XX | XX | XX | Closed | 2026-04-02 15:22 | 2026-04-02 15:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/02/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/02/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 8462017 | Investor Post-Close | No | |||||||
| 517 | XX | XX | XX | Closed | 2026-03-26 09:56 | 2026-04-03 13:32 | 2026-04-03 13:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage
provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. rent loss - Buyer-04/02/2026 Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/26/2026 |
Resolved-Rent Loss Coverage
provided - Due Diligence Vendor-04/03/2026 |
XX | MI | Investment | Refinance | Cash Out - Other | 8335554 | N/A | N/A | |||||
| 517 | XX | XX | XX | Closed | 2026-03-20 07:13 | 2026-03-20 09:21 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/20/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. Appraisal Disclosure
Not Provided Timely. - Due Diligence Vendor-03/20/2026 |
COA Non-Compliant: Appraisal Disclosure Not Provided Timely. | MI | Investment | Refinance | Cash Out - Other | 8233501 | Investor Post-Close | No | ||||||
| 523 | XX | XX | XX | Closed | 2026-03-23 08:04 | 2026-04-09 12:46 | 2026-04-09 12:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Received COC
signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 Resolved-Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. coc - Buyer-04/09/2026 Counter-Updated, Amount Decreased- Audit added the COC for the Rate Lock but was unable to locate a valid COC for Appraisal $800 to $2065, Appraisal Reinspection $200 to $240, - Due Diligence Vendor-04/08/2026 Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,305.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/08/2026 Open-XX- Due Diligence Vendor-04/08/2026 Ready for Review-please advise what fee you are questioning. - Investor-04/07/2026 Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,805.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee increased. However, valid COC not available. - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Resolved-Received COC
signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 Resolved-Resolved - Due Diligence Vendor-04/09/2026 |
XX | OR | Primary Residence | Refinance | Cash Out - Other | 8262710 | N/A | N/A | |||||
| 523 | XX | XX | XX | Closed | 2026-03-23 08:04 | 2026-04-09 12:46 | 2026-04-09 12:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Received COC
signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 Resolved-Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. coc - Investor-04/09/2026 Counter-XX- Due Diligence Vendor-04/08/2026 Open-Updated, Amount Decreased- Audit added the COC for the Rate Lock but was unable to locate a valid COC for Appraisal $800 to $2065, Appraisal Reinspection $200 to $240, - Due Diligence Vendor-04/08/2026 Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,305.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/08/2026 Open-XX- Due Diligence Vendor-04/08/2026 Ready for Review-please advise what fee you are questioning. - Buyer-04/07/2026 Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,805.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee increased. However, valid COC not available. - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Resolved-Received COC
signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 Resolved-Resolved - Due Diligence Vendor-04/09/2026 |
XX | OR | Primary Residence | Refinance | Cash Out - Other | 8262707 | N/A | N/A | |||||
| 523 | XX | XX | XX | Closed | 2026-03-23 09:18 | 2026-03-23 09:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/23/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 8263949 | Investor Post-Close | No | |||||||
| 525 | XX | XX | XX | Closed | 2026-04-29 14:02 | 2026-05-05 13:50 | 2026-05-05 13:50 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Thank you for
providing all pages of the Note. Resolved.
- Due Diligence Vendor-05/05/2026 Resolved-The Note is Present - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/4/26 Please see attached a complete Note - Buyer-05/04/2026 Open-The Note is Incomplete Page #4 (4/4) is missing for note document. - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing all pages of the Note. Resolved.
- Due Diligence Vendor-05/05/2026 Resolved-The Note is Present - Due Diligence Vendor-05/05/2026 |
XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8956689 | N/A | N/A | |||||
| 525 | XX | XX | XX | Closed | 2026-04-29 14:07 | 2026-05-05 13:49 | 2026-05-05 13:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Other Rider | Resolved-Thank you for
providing the Mortgage Rider. Resolved.
- Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. 5/4/26 Please see uploaded Mortgage with Riders - Buyer-05/04/2026 Open-Missing Mortgage Rider - Other Rider Missing Renewal & Extension Rider - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing the Mortgage Rider. Resolved.
- Due Diligence Vendor-05/05/2026 |
XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8956779 | N/A | N/A | |||||
| 530 | XX | XX | XX | Closed | 2026-05-12 11:57 | 2026-05-15 09:56 | Waived | 2 - Non-Material | Property | Missing Doc | Missing Appraisal (Property) | Waived-Appraisal not provided. Missing 2nd Appraisal due to transfer in past 12 months and greater than 20% appreciation. Lender provided approved exception to waive the 2nd appraisal due to appreciation in the last 12 months, dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 | Waived-Appraisal not
provided. Missing 2nd Appraisal due to transfer in past 12 months and greater
than 20% appreciation. Lender provided approved exception to waive the 2nd
appraisal due to appreciation in the last 12 months, dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-05/12/2026 |
Compensating Factors:
-CDA in file shows 0% variance -Appraisal shows that subject was completely
remodeled and XX photos support the counters, floors, baths, deck etc have all been redone to support increase in value. -DTI is 21.90% without using rental income from the subject vs max 50% |
FL | Investment | Refinance | Cash Out - Other | 9155543 | Originator Pre-Close | Yes | ||||||
| 530 | XX | XX | XX | Closed | 2026-05-12 11:56 | 2026-05-12 11:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
FL | Investment | Refinance | Cash Out - Other | 9155519 | Investor Post-Close | No | |||||||
| 531 | XX | XX | XX | Closed | 2026-04-29 14:11 | 2026-05-05 11:14 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 715
is less than Guideline FICO of 720 Lender pre-closing exception provided.
Finding waived. - Due Diligence
Vendor-05/05/2026 Ready for Review-Document Uploaded. sle - Buyer-05/04/2026 Open-Audited FICO of 715 is less than Guideline FICO of 720 Underwriting exception pg # 483-484 - Requesting a 5-point FICO exception to allow 90% LTV - Due Diligence Vendor-04/29/2026 |
Waived-Audited FICO of 715
is less than Guideline FICO of 720 Lender pre-closing exception provided.
Finding waived. - Due Diligence
Vendor-05/05/2026 |
XX | Low DTI of 31.776% vs max DTI of 43% --Post Closing Reserves $21,031.00 (6 mos) vs $9,600.00 (3 mos) Required --0x30x24 Housing Payment history reflected on the VOR |
CA | Primary Residence | Purchase | NA | 8956853 | Originator Pre-Close | Yes | |||||
| 535 | XX | XX | XX | Closed | 2026-03-20 09:30 | 2026-04-24 08:12 | 2026-03-30 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Document - COC
received - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Buyer-03/30/2026 Open-XX- Due Diligence Vendor-03/21/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($211.00) were applied to the total fee variance of ($7,603.66) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not available for supporting lender credit for $6204.00 and $211.00 is not available. - Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 |
Resolved-Document - COC
received - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8236539 | N/A | N/A | |||||
| 535 | XX | XX | XX | Closed | 2026-03-20 09:30 | 2026-04-24 08:03 | 2026-03-30 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Document - COC
received - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 Open-XX- Due Diligence Vendor-03/21/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($211.00) were applied to the total fee variance of ($7,603.66) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not available for supporting lender credit for $6204.00 and $211.00 is not available. - Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 Open-XX- Due Diligence Vendor-03/20/2026 |
Resolved-Document - COC
received - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 |
XX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8236542 | N/A | N/A | |||||
| 536 | XX | XX | XX | Closed | 2026-05-13 13:51 | 2026-05-18 15:40 | 2026-05-18 15:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided
the hazard insurance for the REO property - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see attached insurance for XX. - Buyer-05/18/2026 Open-Missing Evidence of Insurance for property REO 3(a) on final application. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender provided
the hazard insurance for the REO property - Due Diligence
Vendor-05/18/2026 |
XX | FL | Primary Residence | Purchase | NA | 9181943 | N/A | N/A | |||||
| 539 | XX | XX | XX | Closed | 2026-05-18 07:00 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached credit reports. - Buyer-05/22/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report missing Finding added. - Due Diligence Vendor-05/18/2026 |
Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 |
XX | NY | Primary Residence | Purchase | NA | 9246945 | N/A | N/A | |||||
| 539 | XX | XX | XX | Closed | 2026-05-15 05:13 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/22/2026 Open-Borrower 2 Credit Report is Missing. Credit report or supplementary report is missing on file. - Due Diligence Vendor-05/15/2026 |
Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 |
XX | NY | Primary Residence | Purchase | NA | 9216143 | N/A | N/A | |||||
| 539 | XX | XX | XX | Closed | 2026-05-15 05:13 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/22/2026 Open-Borrower 1 Credit Report is Missing. Credit report or supplementary report is missing on file. - Due Diligence Vendor-05/15/2026 |
Resolved-Lender provided
credit report for B1 and B2. Condition resolved. - Due Diligence
Vendor-05/26/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 |
XX | NY | Primary Residence | Purchase | NA | 9216142 | N/A | N/A | |||||
| 550 | XX | XX | XX | Closed | 2026-05-14 11:35 | 2026-05-14 11:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-05/14/2026 |
MD | Investment | Refinance | Cash Out - Other | 9202564 | Investor Post-Close | No | |||||||
| 559 | XX | XX | XX | Closed | 2026-05-12 09:26 | 2026-05-21 15:31 | 2026-05-21 15:31 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/20/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-05/12/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-05/21/2026 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 9150843 | N/A | N/A | |||||
| 559 | XX | XX | XX | Closed | 2026-05-12 09:46 | 2026-05-12 09:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 9151368 | Originator Pre-Close | Yes | |||||||
| 561 | XX | XX | XX | Closed | 2026-03-24 15:53 | 2026-04-08 13:19 | 2026-04-08 13:19 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Correct policy
received. Resolved. - Due Diligence
Vendor-04/08/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached policy. - Investor-04/08/2026 Counter-Additional copy of insurance policy effective post close received and is not acceptable. Please provide copy of policy declaration page for policy effective 4/XX/25 - 4/XX/26 policy showing coverage for all perils, as required by FNMA when lender guidelines are silent. Not resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-04/02/2026 Counter-Document provided for policy effective 4/XX/25 - 4/XX/26 is insufficient. Please provide copy of policy declaration page showing coverage for all perils, as required by FNMA when lender guidelines are silent. Not resolved. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached current and new insurance policies. - Investor-03/26/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/24/2026 |
Resolved-Correct policy
received. Resolved. - Due Diligence
Vendor-04/08/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2026 |
XX | AR | Investment | Refinance | Cash Out - Other | 8300195 | N/A | N/A | |||||
| 561 | XX | XX | XX | Closed | 2026-03-20 08:00 | 2026-03-24 16:00 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/24/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence
Vendor-03/24/2026 |
AR | Investment | Refinance | Cash Out - Other | 8234132 | Investor Post-Close | No | |||||||
| 564 | XX | XX | XX | Closed | 2026-05-12 13:04 | 2026-05-12 13:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
ID | Primary Residence | Refinance | Cash Out - Other | 9157197 | Investor Post-Close | No | |||||||
| 566 | XX | XX | XX | Closed | 2026-05-06 11:50 | 2026-05-11 10:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due
Diligence Vendor-05/11/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/06/2026 |
Rescinded-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/06/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 9066981 | Investor Post-Close | No | |||||||
| 572 | XX | XX | XX | Closed | 2026-05-12 08:21 | 2026-05-12 08:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
FL | Primary Residence | Purchase | NA | 9149478 | Originator Post-Close | No | |||||||
| 572 | XX | XX | XX | Closed | 2026-05-12 03:26 | 2026-05-12 03:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-05/12/2026 | Acknowledged-RESPA: AfBA
Disclosure is Missing or Incomplete - Due Diligence Vendor-05/12/2026 |
FL | Primary Residence | Purchase | NA | 9145993 | Investor Post-Close | No | |||||||
| 584 | XX | XX | XX | Closed | 2026-05-08 10:20 | 2026-05-11 17:12 | 2026-05-11 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Thank you for
providing the Certificate of Good Standing. Resolved. - Due Diligence Vendor-05/11/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached certificate of good standing. - Buyer-05/11/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-05/08/2026 |
Resolved-Thank you for
providing the Certificate of Good Standing. Resolved. - Due Diligence Vendor-05/11/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/11/2026 |
XX | PA | Investment | Purchase | NA | 9106925 | N/A | N/A | |||||
| 585 | XX | XX | XX | Closed | 2026-04-30 06:25 | 2026-05-05 17:48 | 2026-05-05 17:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Thank you for
providing the Initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 Resolved-XX- Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. icd 032426 - Buyer-05/05/2026 Open-The Initial Closing Disclosure Received Date of (2026-XX-10) is not three business days before the consummation date of (2026-XX-10). Three business days before the consummation date is (XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD is missing in this file. - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-Thank you for
providing the Initial CD. Resolved. -
Due Diligence Vendor-05/05/2026 |
XX | CA | Primary Residence | Purchase | NA | 8967061 | N/A | N/A | |||||
| 585 | XX | XX | XX | Closed | 2026-04-29 11:02 | 2026-04-29 11:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/29/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-04/29/2026 |
CA | Primary Residence | Purchase | NA | 8950731 | Investor Post-Close | No | |||||||
| 586 | XX | XX | XX | Closed | 2026-04-16 09:11 | 2026-05-11 09:05 | 2026-05-11 09:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-No HOA verified
with 1004D. The lender provided the required documents. Condition resolved. - Due Diligence
Vendor-05/11/2026 Ready for Review-per UW there is no HOA on this loan - Buyer-05/07/2026 Open-Missing Evidence of HOA Dues for Primary Residence HOA $764 has been considered in DTI however no supporting document available in file to verify the same. - Due Diligence Vendor-04/16/2026 |
Resolved-No HOA verified
with 1004D. The lender provided the required documents. Condition resolved. - Due Diligence
Vendor-05/11/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 8705216 | N/A | N/A | ||||||
| 586 | XX | XX | XX | Closed | 2026-04-15 07:11 | 2026-04-23 14:19 | 2026-04-23 14:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided
E-Consent e-signed and dated by borrower. condition resolved. - Due Diligence
Vendor-04/23/2026 Ready for Review-Document Uploaded. econsent - Buyer-04/22/2026 Open-XX-Consent documentation is missing for borrower(s). E-Consent document is missing in file. - Due Diligence Vendor-04/15/2026 |
Resolved-Lender provided
E-Consent e-signed and dated by borrower. condition resolved. - Due Diligence
Vendor-04/23/2026 |
XX | IL | Primary Residence | Refinance | Cash Out - Other | 8673421 | N/A | N/A | |||||
| 587 | XX | XX | XX | Closed | 2026-03-23 00:26 | 2026-04-03 15:02 | 2026-04-03 15:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Cross collateral
payoff received. - Due Diligence
Vendor-04/03/2026 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. UW manager response: We have the payoff demand in the file for the blanket mortgage covering XX. We also have email from Title company confirming that the simultaneous close of all 3 of our loans will satisfy that blanket mortgage since we divided the payoff by 3 and assigned a third to each of the 3 loans. Please waive this condition, thanks - Seller-03/31/2026 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document
Uploaded. UW manager response: We have the payoff demand in the file for the
blanket mortgage covering XX We also
have email from Title company confirming that the simultaneous close of all 3
of our loans will satisfy that blanket mortgage since we divided the payoff
by 3 and assigned a third to each of the 3 loans. Please waive this condition, thanks -
Seller-03/31/2026 |
Resolved-Cross collateral
payoff received. - Due Diligence
Vendor-04/03/2026 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/03/2026 |
XX | MD | Investment | Refinance | Cash Out - Other | 8255885 | N/A | N/A | ||||
| 587 | XX | XX | XX | Closed | 2026-03-22 23:43 | 2026-04-03 15:01 | 2026-04-03 15:01 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note in business
name. - Due Diligence
Vendor-04/03/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/03/2026 Ready for Review-UW manager response: The 1003 shows the borrower’s primary residence as living rent free at XX. There is no Secondary residence listed. Only the 4 investment in the REO section of the 1003 and we have 12 months of mortgage statements in the file showing paid as agreed for the blanket mortgage covering XX in the file. Please waive this condition, thanks - Buyer-03/31/2026 Open-Housing History Does Not Meet Guideline Requirements, Missing for both Primary and Secondary residence. - Due Diligence Vendor-03/23/2026 |
Resolved-Note in business
name. - Due Diligence
Vendor-04/03/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/03/2026 |
MD | Investment | Refinance | Cash Out - Other | 8255758 | N/A | N/A | ||||||
| 587 | XX | XX | XX | Closed | 2026-03-23 17:12 | 2026-04-03 14:48 | 2026-04-03 14:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of
Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due
Diligence Vendor-04/03/2026 Ready for Review-UW management response: The 1003 shows the borrower’s primary residence as living rent free at XX. There is no Secondary residence listed. Only the 4 investment in the REO section of the 1003 and we have 12 months of mortgage statements in the file showing paid as agreed for the blanket mortgage covering XX in the file. Please waive this condition, thanks - Buyer-03/31/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing for Subject property and primary residence. - Due Diligence Vendor-03/23/2026 |
Resolved-Verification of
Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due
Diligence Vendor-04/03/2026 |
MD | Investment | Refinance | Cash Out - Other | 8275705 | N/A | N/A | ||||||
| 591 | XX | XX | XX | Closed | 2026-03-22 15:55 | 2026-03-28 10:58 | 2026-03-28 10:58 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender's
guidelines are silent regarding borrowers living rent-free. Loan meets
guideline requirements, finding resolved. - Due Diligence Vendor-03/28/2026
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/28/2026 Ready for Review-UW Management response: Borrower lives rent free as indicated on the 1003, guidelines do not require additional documentation for this scenario. - Buyer-03/27/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower mentioned as 'No primary housing expense' Supporting documents missing - Due Diligence Vendor-03/22/2026 |
Resolved-Lender's
guidelines are silent regarding borrowers living rent-free. Loan meets
guideline requirements, finding resolved. - Due Diligence Vendor-03/28/2026
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/28/2026 |
MD | Investment | Refinance | Cash Out - Other | 8254522 | N/A | N/A | ||||||
| 591 | XX | XX | XX | Closed | 2026-03-22 15:15 | 2026-03-27 09:55 | 2026-03-27 09:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached business purpose affidavit. - Buyer-03/26/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/22/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-03/27/2026 |
XX | MD | Investment | Refinance | Cash Out - Other | 8254401 | N/A | N/A | |||||
| 596 | XX | XX | XX | Closed | 2026-05-12 14:15 | 2026-05-12 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/12/2026 |
CA | Investment | Refinance | Cash Out - Other | 9159504 | Investor Post-Close | No | |||||||
| 599 | XX | XX | XX | Closed | 2026-05-01 06:24 | 2026-05-26 12:12 | 2026-05-26 12:12 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCD to cure tolerance of credit report fee and proof delivery to the
borrower. Condition resolved - Due Diligence Vendor-05/26/2026 Resolved-XX- Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-05/22/2026 Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($123.08) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for increase in Credit Report Fee - Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 |
Resolved-Lender provided
PCD to cure tolerance of credit report fee and proof delivery to the
borrower. Condition resolved - Due Diligence Vendor-05/26/2026 |
XX | WA | Primary Residence | Refinance | Cash Out - Other | 8995071 | N/A | N/A | |||||
| 599 | XX | XX | XX | Closed | 2026-05-01 06:24 | 2026-05-26 12:11 | 2026-05-26 12:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCD to cure tolerance of credit report fee and proof delivery to the
borrower. Condition resolved - Due Diligence Vendor-05/26/2026 Resolved-XX- Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/22/2026 Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($123.08) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for increase in Credit Report Fee - Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 |
Resolved-Lender provided
PCD to cure tolerance of credit report fee and proof delivery to the
borrower. Condition resolved - Due Diligence Vendor-05/26/2026 |
XX | WA | Primary Residence | Refinance | Cash Out - Other | 8995070 | N/A | N/A | |||||
| 604 | XX | XX | XX | Closed | 2026-03-20 08:35 | 2026-04-03 15:35 | 2026-04-03 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard policy
received. Resolved. - Due Diligence
Vendor-04/03/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. hoi - Buyer-04/01/2026 Open-Missing Hazard Insurance Policy Provide active Hazard Insurance Policy for subject property - Due Diligence Vendor-03/20/2026 |
Resolved-Hazard policy
received. Resolved. - Due Diligence
Vendor-04/03/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026 |
XX | AZ | Primary Residence | Refinance | Cash Out - Other | 8234849 | N/A | N/A | |||||
| 604 | XX | XX | XX | Closed | 2026-03-20 08:20 | 2026-03-20 08:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/20/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 8234564 | Investor Post-Close | No | |||||||
| 607 | XX | XX | XX | Closed | 2026-04-15 08:52 | 2026-05-26 13:01 | 2026-05-26 13:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCD to cure tolerance and proof delivery to the borrower. Condition resolved
- Due Diligence Vendor-05/26/2026 Resolved-Resolved - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/26/2026 Counter-Review TRID disclosure and Fee tolerance Comparison, we need a COC for appraisal fee increase from 590 to 610.00, Condition remains. - Due Diligence Vendor-04/24/2026 Open-XX- Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached fee comparison. Please advise which fee a COC is needed for. - Investor-04/23/2026 Open-Valid COC missing for $20 lender credits in Final CD are less than the total fee variance amount. - Due Diligence Vendor-04/15/2026 Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($25.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/15/2026 |
Resolved-Lender provided
PCD to cure tolerance and proof delivery to the borrower. Condition resolved
- Due Diligence Vendor-05/26/2026 Resolved-Resolved - Due Diligence Vendor-05/26/2026 |
XX | MI | Primary Residence | Purchase | NA | 8676119 | N/A | N/A | |||||
| 607 | XX | XX | XX | Closed | 2026-04-15 08:52 | 2026-05-26 13:01 | 2026-05-26 13:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCD to cure tolerance and proof delivery to the borrower. Condition resolved
- Due Diligence Vendor-05/26/2026 Resolved-Resolved - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/26/2026 Counter-Review TRID disclosure and Fee tolerance Comparison, we need a COC for appraisal fee increase from 590 to 610.00, Condition remains. - Due Diligence Vendor-04/24/2026 Open-XX- Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached fee comparison. Please advise which fee a COC is needed for. - Investor-04/23/2026 Open-Valid COC missing for $20 lender credits in Final CD are less than the total fee variance amount. - Due Diligence Vendor-04/15/2026 Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($25.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/17/2026 Open-XX- Due Diligence Vendor-04/15/2026 Open-XX- Due Diligence Vendor-04/15/2026 |
Resolved-Lender provided
PCD to cure tolerance and proof delivery to the borrower. Condition resolved
- Due Diligence Vendor-05/26/2026 Resolved-Resolved - Due Diligence Vendor-05/26/2026 |
XX | MI | Primary Residence | Purchase | NA | 8676118 | N/A | N/A | |||||
| 610 | XX | XX | XX | Closed | 2026-04-03 13:01 | 2026-04-15 10:56 | 2026-04-15 10:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial
CD dated 03/12/2026. Condition resolved. - Due Diligence Vendor-04/15/2026
Resolved-Resolved - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see attached e-signed initial CD. - Buyer-04/14/2026 Open-The Initial Closing Disclosure Received Date of (2026-XX-20) is not three business days before the consummation date of (2026-XX-20). Three business days before the consummation date is (20260317). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure three business days before the consummation date is missing in file. - Due Diligence Vendor-04/03/2026 Open-XX- Due Diligence Vendor-04/03/2026 |
Resolved-Received Initial
CD dated 03/12/2026. Condition resolved. - Due Diligence Vendor-04/15/2026
Resolved-Resolved - Due Diligence Vendor-04/15/2026 |
XX | CO | Primary Residence | Purchase | NA | 8479847 | N/A | N/A | |||||
| 610 | XX | XX | XX | Closed | 2026-04-03 11:44 | 2026-04-09 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. valuation report provided and it is with in tolerance - Due Diligence Vendor-04/03/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. valuation report provided
and it is with in tolerance - Due Diligence Vendor-04/03/2026 |
CO | Primary Residence | Purchase | NA | 8478139 | Investor Post-Close | No | |||||||
| 614 | XX | XX | XX | Closed | 2026-04-29 16:12 | 2026-05-05 15:33 | 2026-05-05 15:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-05/05/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 Ready for Review-business purpose - Buyer-05/05/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-05/05/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 |
XX | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8960195 | N/A | N/A | |||||
| 615 | XX | XX | XX | Closed | 2026-04-29 17:12 | 2026-05-08 09:38 | 2026-05-08 09:38 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history
supported with REO properties. Rent free previously - Due Diligence
Vendor-05/08/2026 Ready for Review-5/7/26 Per our UW manager - ""Rent free letter not required for this program. Full mortgage history in file for both properties. XX(borrowers primary) purchased in 1/2026 and mortgage history on credit report. XX owned since 10/2024 and mortgage history is also on credit report. nothing needed per guidelines to confirm previous living rent free per 1003"". Please clear this condition. Thanks. - Buyer-05/07/2026 Counter-Per page 13, Item 27 of the SmartVest Product Summary DTD 02.29.2026, titled Housing Payment History, the following verification applies: Housing Payment History: 0x30x12. Applies to All mortgages and rental payments within the 12 months prior to closing. Not resolved. - Due Diligence Vendor-05/05/2026 Ready for Review-5/4/26 Per our UW manager - "Rent free letter not required for this program. Full mortgage history in file for both properties. XX (borrowers primary) purchased in 1/2026 and mortgage history on credit report. 1XX owned since 10/2024 and mortgage history is also on credit report. nothing needed per guidelines to confirm previous living rent free per 1003". Please clear this condition. Thanks. - Buyer-05/04/2026 Open-Housing History Does Not Meet Guideline Requirements Per lending guidelines, 12 months of housing history must be verified. Audit confirmed only three payments for the borrower’s primary residence; the remaining history could not be established as no 'rent-free' and/or no primary housing expense letter was located. - Due Diligence Vendor-04/29/2026 |
Resolved-Housing history
supported with REO properties. Rent free previously - Due Diligence
Vendor-05/08/2026 |
IL | Investment | Purchase | NA | 8962020 | N/A | N/A | ||||||
| 615 | XX | XX | XX | Closed | 2026-04-29 17:01 | 2026-05-04 07:06 | 2026-05-04 07:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided condition resolved - Due Diligence Vendor-05/04/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. 5/1/26 Please se attached Business Purpose - Buyer-05/01/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |
Resolved-Business Purpose
Affidavit provided condition resolved - Due Diligence Vendor-05/04/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/04/2026 |
XX | IL | Investment | Purchase | NA | 8961847 | N/A | N/A | |||||
| 616 | XX | XX | XX | Closed | 2026-05-05 14:09 | 2026-06-10 12:49 | Waived | 2 - Non-Material | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-SLE Document
provided. Finding waived - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached SLE. - Investor-05/12/2026 Open-Exception - 405 - Requesting exception for occupying borrower requirement to contribute to qualifying income due to non-occupant co-borrowers - Due Diligence Vendor-05/05/2026 |
Waived-SLE Document
provided. Finding waived - Due Diligence Vendor-05/13/2026 |
XX | 80% LTV vs 85% max per product guidelines (reduced from 90% due to non-owner occupancy) 782 FICO vs 740 minimum required per product guidelines $350,000 reserves vs $90,000 minimum required per product guidelines | CA | Primary Residence | Purchase | NA | 9050525 | Investor Post-Close | No | |||||
| 616 | XX | XX | XX | Closed | 2026-05-05 13:46 | 2026-05-11 10:26 | 2026-05-11 10:26 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached econsent confirmation, initial disclosures were sent on 03-XX-26 - Buyer-05/08/2026 Open-XX-Consent documentation is missing for borrower(s). E-Consent missing in file dated before 03/31 - Due Diligence Vendor-05/05/2026 |
Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/11/2026 |
XX | CA | Primary Residence | Purchase | NA | 9049981 | N/A | N/A | |||||
| 616 | XX | XX | XX | Closed | 2026-05-05 13:46 | 2026-05-11 10:25 | 2026-05-11 10:25 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached HOC list. - Buyer-05/08/2026 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Initial Homeownership counselling organizations disclosure missing in file. - Due Diligence Vendor-05/05/2026 |
Resolved-The lender
provided the required documents.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/11/2026 |
XX | CA | Primary Residence | Purchase | NA | 9049980 | N/A | N/A | |||||
| 619 | XX | XX | XX | Closed | 2026-06-11 11:38 | 2026-06-17 12:21 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Property Value Doc Source | Waived-Lender Wavier
Applied. Not using the lower appraisal value; deemed insufficient. Used the middle value $XX with current
comps 4 within 6 months and 2 within 12 months. CU Score 2.6 for the $XX Appraisal - Due Diligence Vendor-06/11/2026 Open-Lender stated the $XX appraisal wasn't used because CRT deems it deficient and it was escalated to the CRT manager who agreed with the determination. The Appraisal was archived to avoid any confusion. The decision was made to the use the middle appraisal - the revised XX report at $XX. Subject was a 2024 new constructions, 2 story home with XX SF, 5bd, 4.5 baths with many extras and upgrades in suburban area with stable values and growth. The subject has a functional floorplan and superior market appeal for this area. All comps in the revised report had sales in the prior 12 months. - Due Diligence Vendor-06/11/2026 Open-Missing Property Value Doc Source. File contains 3 appraisals and lender used middle value for LTV. $XX dated 3/12/2026; $XX dated 03/XX/2026 and $XX dated 04/XX/2026. CU score for $XX is 2.6 Lender comment on 1008 satins the lower of 2 appraisal reports being used for value. No mention of 3rd appraisal. Home is new construction completed in 2024. Appraisals are As Is. Missing explanation for using middle value for LTV. - Due Diligence Vendor-06/11/2026 |
per Lender: the $XX
appraisal wasn't used because CRT deems it deficient and it was escalated to
the CRT manager who agreed with the determination. The Appraisal was archived
to avoid any confusion. The decision
was made to the use the middle appraisal - the revised XX report at $XX.
Subject was a 2024 new construction, 2 story home with XX SF, 5bd, 4.5 baths
with many extras and upgrades in suburban area with stable values and growth.
The subject has a functional floorplan and superior market appeal for this
area. All comps in the revised report
had sales in the prior 12 months. - 06/17/2026 |
Waived-Lender Wavier
Applied. Not using the lower appraisal value; deemed insufficient. Used the middle value $XX, with current
comps 4 within 6 months and 2 within 12 months. CU Score 2.6 for the $XX Appraisal - Due Diligence Vendor-06/11/2026 |
Rate/Term Refinance; Borrower has living in subject property for over 1yr; Borrower has been self employed for 18 years; Credit report reflect 0x30 mortgage history for 24 mths; Qualifying Credit Score 771 | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9695385 | Originator Pre-Close | No | |||||
| 619 | XX | XX | XX | Closed | 2026-05-01 14:29 | 2026-05-22 10:44 | 2026-05-22 10:44 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Cured-Cured post-close.
Lender provided letter of explanation, copy of post-close CD and proof of
tolerance cure in the form of principal reduction (copy of payment history
reflecting the principal reduction was provided). This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/22/2026 Ready for Review-Document Uploaded. The appraisal fee has already been cured. - I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction - Seller-05/20/2026 Counter-There is a total of three appraisal fees on the Final CD -1st @ $500, appraisal 2nd @ $850 and appraisal re-inspections @ $200. Condition remains. - Due Diligence Vendor-05/11/2026 Ready for Review-Compliance response: finding invalid. This was addressed on the COC, page 766, where borrower changed loan products and the YSP changed from $1,365 (Lender Credit) to -$11,760 (Discount Points), and disclosed to the borrower on the LE 3/18/2026, pages 767-769. - Buyer-05/08/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender Credit Was decreased however don't have valid COC. - Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 |
Ready for Review-Document
Uploaded. The appraisal fee has already been cured. - I have attached the
updated PCCD and payment history to re-disclose and confirm that the cited
cost has been cured with a principal reduction - Seller-05/20/2026 |
Cured-Cured post-close.
Lender provided letter of explanation, copy of post-close CD and proof of
tolerance cure in the form of principal reduction (copy of payment history
reflecting the principal reduction was provided). This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/22/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9006083 | N/A | N/A | ||||
| 619 | XX | XX | XX | Closed | 2026-05-01 14:29 | 2026-05-22 10:44 | 2026-05-22 10:43 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Cured-Cured
post-close. Lender provided letter of
explanation, copy of post-close CD and proof of tolerance cure in the form of
principal reduction (copy of payment history reflecting the principal
reduction was provided). This finding
is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. The appraisal fee has already been cured. - I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction - Buyer-05/20/2026 Counter-There is a total of three appraisal fees on the Final CD -1st @ $500, appraisal 2nd @ $850 and appraisal re-inspections @ $200. Condition remains. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Appraisal fee decreased from $750 to $500. Please see attached COC for re-inspection fee. - Investor-05/08/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-XX- Due Diligence Vendor-05/05/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Appraisal Fee was increased however don't have valid COC. - Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 Open-XX- Due Diligence Vendor-05/01/2026 |
Cured-Cured
post-close. Lender provided letter of
explanation, copy of post-close CD and proof of tolerance cure in the form of
principal reduction (copy of payment history reflecting the principal
reduction was provided). This finding
is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9006082 | N/A | N/A | |||||
| 619 | XX | XX | XX | Closed | 2026-05-01 15:30 | 2026-05-01 15:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/01/2026 |
UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9008605 | Investor Post-Close | No | |||||||
| 623 | XX | XX | XX | Closed | 2026-05-01 15:36 | 2026-05-11 08:53 | 2026-05-11 08:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender
provided the required documents.
properties are owned free and clear.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached letter for rental income on : XX - Buyer-05/07/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The tax and insurance documents provided are not sufficient. Please send documentation to support the rental income amount per the 1003 XX Due Diligence Vendor-05/01/2026 |
Resolved-The lender
provided the required documents.
properties are owned free and clear.
Condition resolved. - Due Diligence Vendor-05/11/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/11/2026 |
XX | FL | Primary Residence | Purchase | NA | 9008669 | N/A | N/A | |||||
| 623 | XX | XX | XX | Closed | 2026-04-29 07:49 | 2026-04-29 07:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/29/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-04/29/2026 |
FL | Primary Residence | Purchase | NA | 8944079 | Investor Post-Close | No | |||||||
| 629 | XX | XX | XX | Closed | 2026-04-09 13:55 | 2026-04-09 13:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-04/09/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Acknowledged - Due
Diligence Vendor-04/09/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8581659 | Investor Post-Close | No | |||||||
| 634 | XX | XX | XX | Closed | 2026-04-20 13:35 | 2026-05-12 08:20 | 2026-05-12 08:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. business purpose - Buyer-05/12/2026 Counter-Received note stating the broker has no affiliated businesses. We are missing the borrowers Business Purpose Affidavit, not the Affiliated Business Disclosure. Not resolved. - Due Diligence Vendor-04/28/2026 Ready for Review-Does not apply. Broker marked " no" to affiliated business at time of application. - Buyer-04/28/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/20/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-05/12/2026 |
XX | AZ | Investment | Purchase | NA | 8776283 | N/A | N/A | |||||
| 634 | XX | XX | XX | Closed | 2026-04-21 10:11 | 2026-04-21 10:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/21/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-04/21/2026 |
AZ | Investment | Purchase | NA | 8796378 | Investor Post-Close | No | |||||||
| 635 | XX | XX | XX | Closed | 2026-04-16 11:54 | 2026-05-06 16:14 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence Vendor-05/06/2026
Waived-Audited DTI of 54.27% exceeds Guideline DTI of 50% - Due Diligence Vendor-05/06/2026 Ready for Review-Per the response from our UW: The loan was approved with a documented DTI exception of 54.959% (max 55%). The audited DTI of 55.18% results solely from a higher tax figure on the final CD, not an underwriting error. Per NQM guidance, CA purchases use 1.25% unless actual taxes are documented. The file includes a tax certificate showing a 1.286365% rate, resulting in $452.91/month, which matches the 1008. The DTI remains compliant within the approved exception. $422,500 × 1.286365% = $5,434.89 annually / $452.91 monthly, - Buyer-05/05/2026 Counter-Received copy of exception mentioned below. The exception was approved for DTI of 54.959%, Max 55%. Audited DTI is 55.18%. The difference from Lender to Audit DTI is due to an increase in Property Taxes from the 1008 to Final CD. Not resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. SLE - Buyer-04/20/2026 Open-Audited DTI of 55.18% exceeds Guideline DTI of 50% Page#581 provided the Exception for DTI 54.959 vs max 50% - Due Diligence Vendor-04/16/2026 |
Waived-Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence Vendor-05/06/2026
Waived-Audited DTI of 54.27% exceeds Guideline DTI of 50% - Due Diligence Vendor-05/06/2026 |
XX | FICO 780 vs Min FICO 740 Reserves greater than required 6 months 6 Years self-employment vs guidelines 2 year required 20% down from own funds |
CA | Primary Residence | Purchase | NA | 8710104 | Originator Pre-Close | Yes | |||||
| 639 | XX | XX | XX | Closed | 2026-04-30 02:53 | 2026-05-05 20:16 | 2026-05-05 20:16 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Thank you for
providing the Post Closing CD. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. pccd - Buyer-05/05/2026 Open-The loan disbursement date (2026-XX-21) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-21). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to cancel date and Disbursement date is same in this file - Due Diligence Vendor-04/30/2026 Open-XX- Due Diligence Vendor-04/30/2026 |
Resolved-Thank you for
providing the Post Closing CD. Resolved.
- Due Diligence Vendor-05/06/2026 Resolved-Resolved - Due Diligence Vendor-05/06/2026 |
XX | WA | Primary Residence | Refinance | Cash Out - Other | 8965580 | N/A | N/A | |||||
| 639 | XX | XX | XX | Closed | 2026-04-29 08:01 | 2026-04-29 08:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged. - Due Diligence Vendor-04/29/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Acknowledged. - Due
Diligence Vendor-04/29/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 8944324 | Investor Post-Close | No | |||||||
| 640 | XX | XX | XX | Closed | 2026-04-29 17:47 | 2026-05-05 17:07 | 2026-05-05 17:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the Business Purpose Disclosure. Resolved. - Due Diligence Vendor-05/05/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. business purpose - Buyer-05/05/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |
Resolved-Thank you for
providing the Business Purpose Disclosure. Resolved. - Due Diligence Vendor-05/05/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 |
XX | FL | Investment | Purchase | NA | 8962334 | N/A | N/A | |||||
| 644 | XX | XX | XX | Closed | 2026-05-12 14:05 | 2026-06-10 12:50 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-SLE Document
provided. Finding waived - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/20/2026 Open-Housing History Does Not Meet Guideline Requirements Per -XX- First Time Homebuyer guideline, rent-free status is permitted only if duration is more than 2 months and not exceeding 12 months. Borrower has been living rent-free beyond this allowable period. - Due Diligence Vendor-05/12/2026 |
Waived-SLE Document
provided. Finding waived - Due Diligence Vendor-05/21/2026 |
XX | DTI is 39.82% vs
50% max $41,000 reserves vs $13,727.34 minimum- 792 FICO vs 700 min- |
NJ | Primary Residence | Purchase | NA | 9159265 | Investor Post-Close | No | |||||
| 644 | XX | XX | XX | Closed | 2026-05-12 12:28 | 2026-05-22 19:00 | 2026-05-22 19:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-thank you for
providing a copy of the master insurance. Resolved. - Due Diligence Vendor-05/23/2026 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-05/22/2026 Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-05/12/2026 |
Resolved-thank you for
providing a copy of the master insurance. Resolved. - Due Diligence Vendor-05/23/2026 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 |
XX | NJ | Primary Residence | Purchase | NA | 9156202 | N/A | N/A | |||||
| 644 | XX | XX | XX | Closed | 2026-05-12 14:35 | 2026-05-21 10:09 | 2026-05-21 10:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit
History taken into consideration meets requirements - Due Diligence
Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/20/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Per -XX- First Time Homebuyer guideline, rent-free status is permitted only if duration is more than 2 months and not exceeding 12 months. Borrower has been living rent-free beyond this allowable period. - Due Diligence Vendor-05/12/2026 |
Resolved-ATR Risk - Credit
History taken into consideration meets requirements - Due Diligence
Vendor-05/21/2026 |
XX | NJ | Primary Residence | Purchase | NA | 9160007 | N/A | N/A | |||||
| 646 | XX | XX | XX | Closed | 2026-04-28 14:32 | 2026-04-29 13:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/28/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-04/28/2026 |
MI | Primary Residence | Purchase | NA | 8929352 | Investor Post-Close | No | |||||||
| 650 | XX | XX | XX | Closed | 2026-05-18 10:55 | 2026-05-18 10:59 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Number of NSFs exceeded. The Guidelines allow no more than six NSF in any 12-month period. The borrower has 8 NSFs in the last 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 | Waived-Number of NSFs
exceeded. The Guidelines allow no more
than six NSF in any 12-month period.
The borrower has 8 NSFs in the last 12 months. Lender provided approved exception dated
prior to consummation and all lender compensating factors have been
documented and validated. - Due Diligence Vendor-05/18/2026 |
DTI 25% vs. max 50% Housing history 0x30x12 6 years self-employed |
GA | Primary Residence | Refinance | Cash Out - Other | 9252495 | Originator Pre-Close | Yes | ||||||
| 650 | XX | XX | XX | Closed | 2026-05-14 07:49 | 2026-05-18 10:55 | Waived | 2 - Non-Material | Property | Appraisal | Appraisal is Expired | Waived-Primary Value Appraisal is Expired Guidelines require that appraisal be no more 120 days as of the Note date. The appraisal dated 10/xx/2025 is dated more than 120 days as of Note date 04/xx/2026. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 | Waived-Primary Value
Appraisal is Expired Guidelines require that appraisal be no more 120 days as
of the Note date. The appraisal dated
10/xx/2025 is dated more than 120 days as of Note date 04/xx/2026. Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 |
DTI 25% vs. max 50% Housing history 0x30x12 6 years self-employed With appraisal re-cert in file. |
GA | Primary Residence | Refinance | Cash Out - Other | 9197029 | Originator Pre-Close | Yes | ||||||
| 650 | XX | XX | XX | Closed | 2026-05-14 09:18 | 2026-05-14 09:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-05/14/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 9198760 | Investor Post-Close | No | |||||||
| 652 | XX | XX | XX | Closed | 2026-04-03 11:21 | 2026-04-03 11:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-04/03/2026 | Acknowledged-RESPA: AfBA
Disclosure is Missing or Incomplete - Due Diligence Vendor-04/03/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8477662 | Originator Post-Close | No | |||||||
| 653 | XX | XX | XX | Closed | 2026-04-29 14:26 | 2026-05-05 13:17 | 2026-05-05 13:17 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Buyer-05/04/2026 Open-The disclosed Total of Payments ($1,548,666.51) is understated by more than $35 when compared to the actual Total of Payments of ($1,549,361.37). The difference is ($694.86). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) The disclosed Total of Payments ($1,548,666.51) is understated by more than $35 when compared to the actual Total of Payments of ($1,549,361.37). - Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 |
Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8957553 | N/A | N/A | ||||||
| 653 | XX | XX | XX | Closed | 2026-04-29 14:26 | 2026-05-05 13:16 | 2026-05-05 13:16 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Buyer-05/04/2026 Open-The disclosed finance charge ($882,613.51) is ($334.76) below the actual finance charge($882,948.27). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($882,613.51) is ($334.76) below the actual finance charge ($882,948.27). - Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 |
Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8957550 | N/A | N/A | ||||||
| 653 | XX | XX | XX | Closed | 2026-04-29 14:26 | 2026-05-05 13:15 | 2026-05-05 13:15 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Investor-05/04/2026 Open-The disclosed Total of Payments ($1,548,666.51) is understated by more than $100 when compared to the actual Total of Payments ($1,549,361.37). The difference is ($694.86). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) The disclosed Total of Payments ($1,548,666.51) is understated by more than $100 when compared to the actual Total of Payments ($1,549,361.37). - Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 Open-XX- Due Diligence Vendor-04/29/2026 |
Resolved-Final CD figures
corrected. Resolved. - Due Diligence
Vendor-05/05/2026 Resolved-Resolved - Due Diligence Vendor-05/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8957554 | N/A | N/A | ||||||
| 653 | XX | XX | XX | Closed | 2026-04-29 14:37 | 2026-04-29 14:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation considered from the Pg - 247. - Due Diligence Vendor-04/29/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Secondary valuation
considered from the Pg - 247. - Due Diligence Vendor-04/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8957954 | Investor Post-Close | No | |||||||
| 659 | XX | XX | XX | Closed | 2026-05-12 08:12 | 2026-05-15 10:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-05/15/2026 |
LA | Primary Residence | Refinance | Cash Out - Other | 9149324 | Investor Post-Close | No | |||||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:20 | 2026-03-30 14:41 | 2026-03-30 14:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-XX- Due Diligence Vendor-03/30/2026 Resolved-XX- Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($11,225.00). The actual total fee amount shows a credit amount of ($10,829.28). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). lender credit decreased no valid coc available - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved- - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260753 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:20 | 2026-03-30 14:41 | 2026-03-30 14:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-XX- Due Diligence Vendor-03/30/2026 Resolved-XX- Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($11,225.00). The Last CD shows a total lender credit amount of ($10,829.28). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). lender credit decreased no valid coc available - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved- - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260752 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:20 | 2026-03-30 14:40 | 2026-03-30 14:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Seller-03/30/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker fees increased no valid COC available - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Ready for Review-Document
Uploaded. Please see attached COC. - Seller-03/30/2026 |
Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260755 | N/A | N/A | ||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:20 | 2026-03-30 14:40 | 2026-03-30 14:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Open-XX- Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Broker fees increased no valid COC available - Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 Open-XX- Due Diligence Vendor-03/23/2026 |
Resolved-2/25/2026 COC
provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 Resolved-Resolved - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260754 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:08 | 2026-03-30 14:00 | 2026-03-30 14:00 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Final Title
received. Resolved. - Due Diligence
Vendor-03/30/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached final title policy. - Investor-03/27/2026 Open-Title Document is missing - Due Diligence Vendor-03/23/2026 |
Resolved-Final Title
received. Resolved. - Due Diligence
Vendor-03/30/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260649 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:18 | 2026-03-30 13:58 | 2026-03-30 13:58 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Email from
insurance agent confirming RCE received. Resolved. - Due Diligence Vendor-03/30/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. rce - Investor-03/26/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX Hazard coverage amount is less than loan amount - Due Diligence Vendor-03/23/2026 |
Resolved-Email from
insurance agent confirming RCE received. Resolved. - Due Diligence Vendor-03/30/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 |
XX | WI | Primary Residence | Refinance | Cash Out - Other | 8260736 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-03-23 06:32 | 2026-03-23 06:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Acknowledged - Due
Diligence Vendor-03/23/2026 |
WI | Primary Residence | Refinance | Cash Out - Other | 8260860 | Investor Post-Close | No | |||||||
| 662 | XX | XX | XX | Closed | 2026-05-15 09:32 | 2026-05-22 18:54 | 2026-05-22 18:54 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Thank you for
providing the updated hazard policy with the correct dates. Resolved. - Due Diligence Vendor-05/22/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-05/22/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy effective date is 5XX/2026 which not covering from 5/XX/2026 because CD reflects disbursement date as 5/XX/2026 but hazard insurance policy covering date from 5/XX/2026 hence condition added. - Due Diligence Vendor-05/15/2026 |
Resolved-Thank you for
providing the updated hazard policy with the correct dates. Resolved. - Due Diligence Vendor-05/22/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 |
XX | OK | Investment | Purchase | NA | 9219126 | N/A | N/A | |||||
| 663 | XX | XX | XX | Closed | 2026-03-20 09:27 | 2026-04-29 15:31 | 2026-04-29 15:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Thank you for
providing the PUD Rider. Resolved. -
Due Diligence Vendor-04/29/2026 Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. full mortgage - Buyer-04/29/2026 Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-03/20/2026 |
Resolved-Thank you for
providing the PUD Rider. Resolved. -
Due Diligence Vendor-04/29/2026 Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/29/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 8236458 | N/A | N/A | |||||
| 664 | XX | XX | XX | Closed | 2026-03-05 07:23 | 2026-04-22 11:31 | 2026-04-22 11:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is
Present or is Not Applicable (Property Type is PUD) - Due Diligence
Vendor-04/22/2026 Ready for Review-Recorded Mortgage with PUD Rider received. Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. recorded mortgage - Buyer-04/21/2026 Open-Missing Mortgage Riders – PUD Rider HOA fees mention on 1008 & 1004 but on the DOT PUD rider not mentioned. Also, PUD rider is missing. - Due Diligence Vendor-03/05/2026 |
Resolved-The PUD Rider is
Present or is Not Applicable (Property Type is PUD) - Due Diligence
Vendor-04/22/2026 |
XX | GA | Investment | Refinance | Cash Out - Other | 7940393 | N/A | N/A | |||||
| 664 | XX | XX | XX | Closed | 2026-03-05 07:35 | 2026-03-27 13:07 | 2026-03-27 13:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage
provided - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Per USAA the rent loss coverage is listed under "other Structures" see attached - Investor-03/26/2026 Counter-The hazard policy in the file specifically states the policy has $0.00 rent loss coverage. Provide attestation from insurance agent specifically stating the amount of rent loss coverage included in the other structures endorsement. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Per USAA the rent loss coverage is listed under "other Structures" - Buyer-03/23/2026 Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/05/2026 |
Resolved-Rent Loss Coverage
provided - Due Diligence Vendor-03/27/2026 |
XX | GA | Investment | Refinance | Cash Out - Other | 7940602 | N/A | N/A | |||||
| 665 | XX | XX | XX | Closed | 2026-04-30 09:35 | 2026-05-06 15:06 | 2026-05-06 15:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided
borrower ID - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. ID - Buyer-05/06/2026 Open-Missing Borrower Identification - Borrower 1. Document Missing - Due Diligence Vendor-04/30/2026 |
Resolved-Lender provided
borrower ID - Due Diligence Vendor-05/06/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 |
XX | TX | Investment | Purchase | NA | 8970519 | N/A | N/A | |||||
| 665 | XX | XX | XX | Closed | 2026-04-30 13:07 | 2026-05-04 11:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P Value within tolerance - Due Diligence Vendor-05/04/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P Value within
tolerance - Due Diligence Vendor-05/04/2026 |
TX | Investment | Purchase | NA | 8976142 | Investor Post-Close | No |