CROSS 2026-NQM8 Mortgage Trust ABS-15G
Exhibit 99.1 - Schedule 3
Exception Grades
Run Date - 6/18/2026 4:19:20 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 224611776 | [Redacted] | [Redacted] | 35170819 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Rever/closing requirements not met. | Reviewer Comment (2025-12-16): Provided source of funds for earnest money deposit along with [redacted] paid POC invoices of $[redacted]. Exception cleared. Reviewer Comment (2025-12-15): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. Seller Comment (2025-12-15): Bank statements sourcing EMD Reviewer Comment (2025-12-11): Total amount required to close include: Cash to closed from HUD1 ($[redacted]) + EMD ($[redacted]) + POC ($[redacted]) = $[redacted]. The assets verified from the borrower include: borrower's [redacted] account balance ($[redacted]) + POC ($[redacted]). Require bank statement reflecting earnest money clearance. Exception Remains. Seller Comment (2025-12-10): Total amount required to close include: Cash to closed from HUD1 ($[redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from the borrower include: borrower's [redacted]account balance ($[redacted]) + EMD ($[redacted]) + POC item ($[redacted]) = $[redacted]. This verified amount is more than the required amount. Seller Comment (2025-12-10): Total amount required to close include: Cash to closed from HUD1 ($[redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from the borrower include: borrower's [redacted] account balance ($[redacted]) + EMD ($[redacted]) + POC item ($[redacted]) = $[redacted]. This verified amount is more than the required amount. Seller Comment (2025-12-10): Total amount required to close include: Cash to closed from HUD1 ($[redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from the borrower include: borrower's [redacted] account balance ($[redacted]) + EMD ($[redacted]) + POC item ($[redacted]) = $[redacted]. This verified amount is more than the required amount. Seller Comment (2025-12-10): Cash to close on HUD-1 line [redacted] is $[redacted]total already includes the [redacted] months reserves of $[redacted] listed on line [redacted] pg [redacted] of the HUD. [redacted] account (see attached) has an available balance of $[redacted]. |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224611776 | [Redacted] | [Redacted] | 35175793 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2025-12-16): Provided source of funds for earnest money deposit along with [redacted] paid POC invoices of $[redacted]. Exception cleared. Seller Comment (2025-12-15): Bank statements sourcing EMD Reviewer Comment (2025-12-11): Total amount required to close include: Cash to closed from HUD1 ($[redacted]) + EMD ($[redacted]) + POC ($[redacted]) = $[redacted]. The assets verified from the borrower include: borrower's [redacted] account balance ($[redacted]) + POC ($[redacted]). Require bank statement reflecting earnest money clearance to clear this condition. Exception Remains. Seller Comment (2025-12-10): Cash to close on HUD-1 line [redacted]is $[redacted]total already includes the [redacted] months reserves of $[redacted] listed on line [redacted] pg [redacted] of the HUD. [redacted] account (see attached) has an available balance of $[redacted]. |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 224616140 | [Redacted] | [Redacted] | 35170849 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check is not provided in file. | Reviewer Comment (2025-12-11): Received Fraud Report in the file. Exception Cleared. Seller Comment (2025-12-10): see attached Seller Comment (2025-12-10): Please see attached documents |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224616140 | [Redacted] | [Redacted] | 35170852 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is not provided in file. | Reviewer Comment (2025-12-11): Received Certificate of Good Standing in the file. Exception Cleared. Seller Comment (2025-12-10): see attached Seller Comment (2025-12-10): Please see attached documents |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224616140 | [Redacted] | [Redacted] | 35170865 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is not provided in file. | Reviewer Comment (2025-12-11): Received Fraud Report in the file. Exception Cleared. Seller Comment (2025-12-10): Fraud Reports |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224713564 | [Redacted] | [Redacted] | 35265213 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved to [redacted] Section [redacted] trade line requirement requires [redacted] trade lines. Borrower has [redacted] trade lines, but all trade lines are authorized user accounts. Applicant has provided [redacted] sources of alternative credit to supplement credit history, with one being verification of rental payment history. Requesting exception to use alternate credit for qualifying credit history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2025-12-22): Client elects to waive with compensating factors. |
12/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| 224713564 | [Redacted] | [Redacted] | 35265225 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved to Requesting an exception to the guideline that requires using the lesser of the purchase price plus, documented improvements or the market value when the borrower has been on title for less than [redacted] months. We are requesting approval to instead use the market rent value for this file. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2025-12-22): Client elects to waive with compensating factors. |
12/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| 224713564 | [Redacted] | [Redacted] | 35265240 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note - Subject Lien is not signed. | Reviewer Comment (2026-01-16): Received Note. Exception Cleared. Buyer Comment (2026-01-14): Note |
01/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 224713564 | [Redacted] | [Redacted] | 35265284 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the note date. | Reviewer Comment (2026-01-21): No Loss Letter received. Exception cleared. Buyer Comment (2026-01-20): no loss letter |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||
| 224721672 | [Redacted] | [Redacted] | 35293349 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document provided is missing signatures. | Reviewer Comment (2026-01-06): Provided signed Note document. Exception cleared. Buyer Comment (2026-01-02): signed note |
01/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 224721672 | [Redacted] | [Redacted] | 35293364 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-01-06): Desk review was provided with the initial package. Exception cleared. Buyer Comment (2026-01-02): please see doc [redacted] for CDA report and proof of delivery |
01/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | |||||||||||||||
| 224721672 | [Redacted] | [Redacted] | 35293371 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the note or transaction date. | Reviewer Comment (2026-02-11): Received updated Hazard Insurance Policy in the file. Exception Cleared. Buyer Comment (2026-02-09): please see attached HOI policy in effect when loan closed (refi transaction). Please note the existing policy's insured name is Diversified [redacted] and has effective dates from [redacted] to [redacted]. Warranty deed dated [redacted] was previously uploaded as doc [redacted] that shows a transfer of company ownership from Diversified [redacted] to [redacted] [redacted] Reviewer Comment (2026-01-14): Please provide updated policy with Effective Date prior to note or transaction date. Exception remains. Buyer Comment (2026-01-12): signed letter of no loss |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | ||||||||||||||
| 224721672 | [Redacted] | [Redacted] | 35310209 | Credit | Credit | Credit Eligibility | Credit | Activxxxxline requirement not met. | - Borrower has ___ Activxxxxlines which is less than the minimum required by guidelines. | Lender Exception for all trade line being authorized user accounts. Alternate credit is provided. Condition for Max [redacted] LTV/CLTV, Vesting to be [Redacted] [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | SitusAMC | Reviewer Comment (2025-12-26): Lender elected to waive the condition based on the compensating factors. |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | |||||||||||
| 224721672 | [Redacted] | [Redacted] | 35310211 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception to use market rent value for qualification. Condition for Max [redacted] LTV/CLTV, Vesting to be [Redacted] [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | FICO [redacted] Points or More Above Requirement | Aggregator,SitusAMC | Reviewer Comment (2025-12-26): Lender elected to waive the condition based on the compensating factors. |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | D | A | N/A | No | |||||||||||
| 224740055 | [Redacted] | [Redacted] | 35339937 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The consolidated mortgage provided in the loan file is not executed. | Reviewer Comment (2026-01-12): Received signed Security Instrument. Exception cleared. Buyer Comment (2026-01-09): signed copy uploaded |
01/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 224771839 | [Redacted] | [Redacted] | 35347492 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider - [redacted] Family unsigned. | Reviewer Comment (2026-01-13): Received 1-4 Family Rider. Exception Cleared. Buyer Comment (2026-01-10): 1-4 Family Rider |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224771839 | [Redacted] | [Redacted] | 35347493 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - ARM not provided | Rider - ARM unsigned. | Reviewer Comment (2026-01-13): Received ARM Rider. Exception Cleared. Buyer Comment (2026-01-10): ARM Rider |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224781865 | [Redacted] | [Redacted] | 35369612 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. Variance is more than [redacted]. | [redacted] variance. Lenders [redacted]: [redacted]%. Review DSCR [redacted]%. Variance due to rental analysis showing annual income of $[redacted] or $[redacted] per month. | Reviewer Comment (2026-01-26): Received required documentation. Condition cleared. Reviewer Comment (2026-01-26): Updated input, however DD [redacted] is at [redacted]% with lenders at [redacted]% Reviewer Comment (2026-01-26): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence [redacted]: [redacted]; Bid Tape [redacted]: [redacted]. Buyer Comment (2026-01-22): please see short term rent schedule doc [redacted] for $[redacted] annual rent amount listed |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224781865 | [Redacted] | [Redacted] | 35369690 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | [redacted] months required reserves not provided. | Reviewer Comment (2026-03-05): Statement provided Buyer Comment (2026-03-03): [redacted] statement Reviewer Comment (2026-02-20): Provided bank statement dated [redacted] for account #[redacted] shows balance of #[redacted] is after the note date. Provide statement showing balance at the time of closing. Exception remains. Buyer Comment (2026-02-18): here is a most recent statement for acct# [redacted] Reviewer Comment (2026-02-02): We have bank statement for account #[redacted] from [redacted] to [redacted] (Doc [redacted]) already available on file and one page [redacted] available balance is updated as $[redacted] and the same was considered. The recent provided statement also reflects the same amount $[redacted] and on the bottom page $[redacted] is reflecting as credit amount not the calculated balance. Exception remains. Buyer Comment (2026-01-28): please see attached updated bank statement summary. acct# [redacted] is page [redacted] and the bottom of the pages shows an account balance of $[redacted] that was used to calculate reserves Reviewer Comment (2026-01-26): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224851929 | [Redacted] | [Redacted] | 35442033 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-15): Received Title Supplemental Report with loan amount $[redacted]. Exception cleared. Seller Comment (2026-01-13): Received Coverage Amount Supplement document |
01/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 224851929 | [Redacted] | [Redacted] | 35442045 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Reviewer Comment (2026-01-15): Consecutive [redacted] months ([redacted] days) bank statement for account #[redacted] is already provided in file. Exception cleared. Seller Comment (2026-01-13): Received Asset Documents |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 224913974 | [Redacted] | [Redacted] | 35476214 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance Subject [redacted] does not match Note [redacted]. | Reviewer Comment (2026-04-20): Note, Addendum, SI, Riders and 1004 updated and now match the hazard and flood insurance documents Buyer Comment (2026-04-20): Please see new Note, Addendum, Security Instrument and Riders with corrected address that now matches. In addition, Appraisal has also been corrected. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224913974 | [Redacted] | [Redacted] | 35476216 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject [redacted] does not match Note [redacted]. | Reviewer Comment (2026-04-20): Note, Addendum, SI, Riders and 1004 updated and now match the flood, cleared Buyer Comment (2026-04-20): Please see new Note, Addendum, Security Instrument and Riders with corrected address that now matches. In addition, Appraisal has also been corrected. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224913974 | [Redacted] | [Redacted] | 35476236 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Signed Final HUD not provided. | Reviewer Comment (2026-01-23): Received closing statement. Condition cleared. Buyer Comment (2026-01-22): settlement statement |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224931513 | [Redacted] | [Redacted] | 35506710 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided | Notary date not present, estimated consummation date used for testing purposes. It appears the members signed the security instrument on [redacted], however the date on the note and security instrument is [redacted]. Clarification and possible corrections will be required. | Reviewer Comment (2026-04-30): Received corrected documents. Condition cleared. Buyer Comment (2026-04-28): Please see resigned and notarized security instrument and riders as well as Note and addendums Reviewer Comment (2026-02-11): Clarification is required why the Security instrument was signed on [redacted] and all of the riders were signed on [redacted] when all documents should have been signed the same day. In addition, there is no notary date on the security instrument which is required and may need to be completed at the [redacted] Embassy in [redacted] to confirm compliance. Condition remains. Buyer Comment (2026-02-09): LOX |
04/30/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224931513 | [Redacted] | [Redacted] | 35506765 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The dates on the [redacted] family rider, Pud rider and the PPP rider are all [redacted], however the signature dates are [redacted]. The documents signed at closing are required. | Reviewer Comment (2026-04-30): Received corrected documents. Condition cleared. Buyer Comment (2026-04-28): Please see resigned and notarized security instrument and riders as well as Note and addendums Reviewer Comment (2026-02-11): Clarification is required why the Security instrument was signed on [redacted] and all of the riders were signed on [redacted] when all documents should have been signed the same day. In addition, there is no notary date on the security instrument which is required and may need to be completed at the [redacted] Embassy in [redacted] to confirm compliance. Condition remains. Buyer Comment (2026-02-09): See LOX |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 224949691 | [Redacted] | [Redacted] | 35594639 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-01-27): [redacted] received valid COC document Seller Comment (2026-01-23): Response received- COC AT DOCS |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 224955522 | [Redacted] | [Redacted] | 35594212 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-04-24): Lender restated Loan Designation. Condition cleared. Buyer Comment (2026-04-22): This loan was delivered as a NON QM however should have been QM as per our [redacted]. This change should clear this condition. Reviewer Comment (2026-04-07): Exception was escalated again. Response: Based on the documentation we have, it appears the [redacted]% rate lock was set on [redacted] and therefore this is the date that would be considered the last date rate set. Again, as provided previously, for purposes of establishing the Last Date Rate Set, our default testing methodology uses the Reg Z approach which states that* if a rate is locked, but then that rate changes at some point before consummation (and is not the result of a product change) the Rate Set Date will move from the date of the initial rate lock to the date of the most recent rate lock date reflecting the change in rate. * It appears the lender is using the initial rate lock date as the last date rate set for purposes of setting the APOR, which contradicts with our methodology as established with our outside counsel. Buyer Comment (2026-04-03): Correct lock form Reviewer Comment (2026-02-25): Exception was escalated. Response: the Compliance Rate Set Date was determined by the most conservative value between Initial Rate Lock Date and Closing Date. This is because the rate lock in file do not match the Note rate. If we receive rate lock documentation matching the Note rate, that new information can be input into [redacted] and compliance can be run to see if it clears HPML. Buyer Comment (2026-02-23): PC Cert submitted Reviewer Comment (2026-01-30): The purchase agreement date is less than [redacted] days from the subject note date. A [redacted] appraisal was not completed for a property that is higher-priced and considered a flipped property. Buyer Comment (2026-01-28): PC Cert submitted |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 224955522 | [Redacted] | [Redacted] | 35594213 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain [redacted] written appraisals. Borrower charged for multiple appraisals. | Final Closing Disclosure dated [redacted] indicates a fee for a [redacted] appraisal. Per the change of circumstance in the file dated [redacted], the fee is for the departing residence appraisal that was provided in the file. | Reviewer Comment (2026-04-24): Lender restated Loan Designation. Condition cleared. Buyer Comment (2026-04-22): This loan was delivered as a NON QM however should have been QM as per our [redacted]. This change should clear this condition. Reviewer Comment (2026-04-17): We've previously discussed with our outside counsel the notion of the previous property being on raw land upon which is build a newly constructed home and whether the fact the transaction was not a "flip of a home" could serve to exclude the loan from the HPML flip requirement. Our counsel noted that while it makes sense from a commonsense perspective that a builder building a new house and then selling it within [redacted] months of acquiring the raw land upon which to build the house should not have to get an additional appraisal, unfortunately, there is no language to exclude such situations and the HPML language appears to support the requirement for the additional appraisal. We think it is relevant that unlike other parts of Regulation Z where residential mortgage transactions or dwellings are discussed, here, the HPML rules use the term "property" when it comes to "flips" and additional appraisals. That term "property" is not defined and therefore, our counsel believes it could also encompass, in addition to a dwelling, raw land. It is also noted that TILA, in section [redacted], specifically states that "[t]he [redacted] appraisal shall include an analysis of the difference in sales prices, changes in market conditions, and any improvements made to the property between the date of the previous sale and the current sale." (Emphasis added.) The bold language therefore clearly contemplates improvements to the purchased property by the seller.' In addition, the Preamble to the HPML Rule (i.e., CFPB introductory statement) where the additional appraisal requirement was implemented, expands upon this further and states that "[c]onsistent with the statute and the proposal, new § [redacted] requires a creditor to apply additional scrutiny to the value of properties securing HPMLs when they are being resold for a higher price within a [redacted]-day period. The Agencies believe that the intent of TILA section [redacted], as implemented in § [redacted], is to discourage fraudulent property 'flipping". Significantly, the Preamble then continues and states, "[t]he Agencies recognize that a property may be resold at a higher price within a short timeframe for legitimate reasons, such as when a seller makes valuable improvements to the property or market prices increase." (Emphasis added.) The Preamble continues on to state that "Section [redacted] requires an additional appraisal analyzing the property's resale price to ensure that the increased sales price is appropriate." So while it is acknowledged that this may not be your typical property "flipping" situation, given that the statutory language and the Preamble clearly contemplate an additional appraisal even in the face of legitimate reasons such as valuable improvements (such as building a house on the property), and given the fact that the regulation refers to "property" and not to a "dwelling" in stating the requirements of the additional appraisal, we believe that the loan would meet the definition of a HPML flip and a second appraisal would be required in this instance. Reviewer Comment (2026-04-13): Exception was escalated again. Response below. [redacted] report is showing the same APOR date being used of [redacted] to set the higher-priced threshold. As previously communicated, for purposes of establishing the Last Date Rate Set, our default testing methodology uses the Reg Z approach which states that* if a rate is locked, but then that rate changes at some point before consummation (and is not the result of a product change) the Rate Set Date will move from the date of the initial rate lock to the date of the most recent rate lock date reflecting the change in rate. * Since the rate changed from [redacted]% set on [redacted] to [redacted]% set on [redacted], the [redacted] date is the date we will use as our 'last date rate set' to set our APOR. In addition: Based on [redacted]discussions with our outside counsel, the default testing methodology we use when determining the Last Date Rate Set is under the Reg Z approach which will determine that if a rate is locked, but then that rate changes at some point before consummation (and is not the result of a product change) the Rate Set Date will move from the date of the initial rate lock to the date of the most recent rate lock date reflecting the change in rate. This approach is supported by the Rate Set commentary under the HPML rule of Regulation Z which would utilize the initial rate lock as the rate set date unless the rate changes or is re-set at a different level before consummation. § [redacted]: Rate set. A transaction's annual percentage rate is compared to the average prime offer rate as of the date the transaction's interest rate is set (or "locked") before consummation. Sometimes a creditor sets the interest rate initially and then re-sets it at a different level before consummation. The creditor should use the last date the interest rate is set before consummation. Notwithstanding the above, there may be some limited circumstances under which we would consider using the initial rate lock date but, by default, the above would be our initial testing methodology. These limited circumstances would include situations where: [redacted] there is a product change and, while the rate did increase, the pricing for the new product was derived from the initial pricing sheet. This is specifically allowed for under Reg C for product changes only (additional attestation would be required from lender to confirm). If there's no loan program change, this obviously doesn't come into play:[redacted]: ii. Change in loan program. If a financial institution issues a rate-lock commitment under one loan program, the borrower subsequently changes to another program that is subject to different pricing terms, and the financial institution changes the rate promised to the borrower under the rate-lock commitment accordingly, the rate-set date is the date of the program change. However, if the financial institution changes the promised rate to the rate that would have been available to the borrower under the new program on the date of the original rate-lock commitment, then that is the date the rate is set, provided the financial institution consistently follows that practice in all such cases or the original rate-lock agreement so provided. [redacted] [Edge-Case Only] where there is a borrower requested election to buy the rate up or down with no other [redacted], loan term changes or pricing changes impacting the rate. So, if the rate was initially locked, and it was only the borrower requesting to buy their rate up or down that caused the rate to change (i.e., re-lock), we could consider the initial rate lock as the Rate Date Set. If there are no loan discount points on the loan (or if points did not change) this would not be considered). Buyer Comment (2026-04-09): [redacted] with current lock info Reviewer Comment (2026-04-07): Exception was escalated again. Response: Based on the documentation we have, it appears the [redacted]% rate lock was set on [redacted] and therefore this is the date that would be considered the last date rate set. Again, as provided previously, for purposes of establishing the Last Date Rate Set, our default testing methodology uses the Reg Z approach which states that* if a rate is locked, but then that rate changes at some point before consummation (and is not the result of a product change) the Rate Set Date will move from the date of the initial rate lock to the date of the most recent rate lock date reflecting the change in rate. * It appears the lender is using the initial rate lock date as the last date rate set for purposes of setting the APOR, which contradicts with our methodology as established with our outside counsel. Buyer Comment (2026-04-03): Please see correct lock form Reviewer Comment (2026-03-09): If the [redacted] date is correct, this would set an APOR of [redacted]% (which is the APOR set on [redacted]) + [redacted]% margin to set a threshold of [redacted]%. The loan's APR of [redacted]% equals/exceeds this threshold, which is why we are citing the loan as an HPML loan. It appears based on their [redacted] report that they are using an APOR from the initial rate lock date, [redacted], which is setting a higher threshold of [redacted]% and not citing the loan as HPML. Our methodology for setting the last date rate set was discussed in Client Bulletin [redacted]. For purposes of establishing the Last Date Rate Set, our default testing methodology uses the Reg Z approach which states that if a rate is locked, but then that rate changes at some point before consummation (and is not the result of a product change) the Rate Set Date will move from the date of the initial rate lock to the date of the most recent rate lock date reflecting the change in rate. This approach is supported by the Rate Set commentary under Regulation Z which would utilize the initial rate lock as the rate set date unless the rate changes or is re-set at a different level before consummation. Note this approach is based on the advice and guidance of our outside counsel. Based on this guidance, we are setting the rate based on the most recent lock date of [redacted] since the rate was change from the initial rate lock. Buyer Comment (2026-03-05): doc [redacted] is the final Lock Reviewer Comment (2026-02-27): Exception was re-escalated. Response: Clarification/documentation is needed to support the date that the lender used as the rate lock date for the note rate. Buyer Comment (2026-02-25): initial rate lock Reviewer Comment (2026-02-25): Exception was escalated. Response: the Compliance Rate Set Date was determined by the most conservative value between Initial Rate Lock Date and Closing Date. This is because the rate lock in file do not match the Note rate. If we receive rate lock documentation matching the Note rate, that new information can be input into [redacted] and compliance can be run to see if it clears HPML. Buyer Comment (2026-02-23): PC Cert Reviewer Comment (2026-01-30): The purchase agreement date is less than [redacted] days from the subject note date. A [redacted] appraisal was not completed for a property that is higher-priced and considered a flipped property. Buyer Comment (2026-01-28): PC Cert |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 224955522 | [Redacted] | [Redacted] | 35594214 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-01-29): Rate lock provided Buyer Comment (2026-01-28): locks |
01/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 224955522 | [Redacted] | [Redacted] | 35594216 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Appraisal fee $[redacted] was added on the Closing Disclosure dated [redacted]. A valid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-03-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-03-25): Please see attached PCCD, Cover Letter, Cure check and Proof delivered. Reviewer Comment (2026-03-06): [redacted] received COC dated [redacted] for adding the second appraisal fee but the fee was added on LE was $[redacted] while on final CD the fee was charged $[redacted]. The fee was increased on initial CD dated [redacted] for no COC was provided in file. Please provide a valid COC or cure would be required. Buyer Comment (2026-03-05): please see second appraisal invoice, doc [redacted]. Second appraisal was for departure property [redacted] and not for subject property |
03/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 224955522 | [Redacted] | [Redacted] | 35604202 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on Loan Estimate dated [redacted] without valid change evident. | Reviewer Comment (2026-01-30): [redacted] received valid COC document Buyer Comment (2026-01-29): PC Cert |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 224955522 | [Redacted] | [Redacted] | 36335301 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Lender restated Loan Designation. [redacted] for informational purposes only. May be waived. | Buyer Comment (2026-04-24): ok to waive Per CNR |
04/24/2026 | 2 | A | B | B | B | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 224988558 | [Redacted] | [Redacted] | 35603389 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-02-09): Final Title Policy received and verified. Exception cleared. |
02/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 224988558 | [Redacted] | [Redacted] | 35603449 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount is less than loan amount. | Reviewer Comment (2026-02-09): Final Title Policy received and verified. Exception cleared. Buyer Comment (2026-02-05): final policy upld |
02/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 224988558 | [Redacted] | [Redacted] | 35603661 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-03-23): Updated deal settings for client. Reviewer Comment (2026-02-18): Nothing New was provide. exception remains. Up to [redacted] discount points are eligible for exclusion if the undiscounted rate does not exceed the APOR by more than [redacted]% (in this case the undiscounted rate of [redacted]% did not exceed the APOR of [redacted]% by more than [redacted]%). However, the discount points must also pass the "bona fide" test, which takes into account the borrower's rate reduction vs. amount paid to reduce the rate. In order to be considered "bona fide" there must be a rate reduction that occurred, and the rate reduction must meet a basis point ratio that is detailed in §[redacted]. A discount point is considered "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as [redacted] mortgage market norms ([redacted]defaults to [redacted]% and the client selected default setting for this deal is also [redacted]%). The compliance report provided in the file used a reduction basis of [redacted]% per discount paid. The lender provided documentation stating that the undiscounted rate was [redacted]% and the undiscounted rate price was [redacted]%. The amount of discount points paid was $[redacted], which was [redacted]% of the loan amount. If we subtract the undiscounted rate price of [redacted]%, the cost of the discounted rate was [redacted]%. The rate reduction from [redacted]% to [redacted]% was [redacted]%. If we divide the amount of the interest rate reduction ([redacted]%) by the amount of discount points paid ([redacted]%), we arrive at a rate reduction of [redacted]% per discount point paid, which does not meet the industry standard of [redacted]% or the client selected deal setting of [redacted]%. rate reduction basis lower than [redacted]% as a deal setting can be selected but it must be reasonable and cannot be [redacted]. Buyer Comment (2026-02-16): rebuttal upld-bona fide points Reviewer Comment (2026-02-09): Up to two discount points are eligible for exclusion if the undiscounted rate does not exceed the APOR by more than [redacted]% (in this case the undiscounted rate of [redacted]% did not exceed the APOR of [redacted]% by more than [redacted]%). However, the discount points must also pass the "bona fide" test, which takes into account the borrower's rate reduction vs. amount paid to reduce the rate. In order to be considered "bona fide" there must be a rate reduction that occurred, and the rate reduction must meet a basis point ratio that is detailed in §[redacted]. A discount point is considered "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as [redacted] mortgage market norms ([redacted] defaults to [redacted] % and the client selected default setting for this deal is also [redacted]%). The compliance report provided in the file used a reduction basis of [redacted] % per discount paid. The lender provided documentation stating that the undiscounted rate was [redacted]% and the undiscounted rate price was [redacted]%. The amount of discount points paid was $[redacted], which was [redacted]% of the loan amount. If we subtract the undiscounted rate price of [redacted]%, the cost of the discounted rate was [redacted]%. The rate reduction from [redacted]% to [redacted]% was [redacted]%. If we divide the amount of the interest rate reduction ([redacted]%) by the amount of discount points paid ([redacted]%), we arrive at a rate reduction of [redacted]% per discount point paid, which does not meet the industry standard of [redacted]% or the client selected deal setting of [redacted]%. Buyer Comment (2026-02-05): combined rebuttal and supporting docs upld for LE timing and High cost conditions. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices v[Redacted]tions noted. | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 224988558 | [Redacted] | [Redacted] | 35603663 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan estimate issue date [redacted] was e-signed on [redacted]. | Reviewer Comment (2026-02-09): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-02-06): proof econsent was accepted [redacted] upld Reviewer Comment (2026-02-05): [redacted] received disclosure summary, However, the consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-02-05): combined rebuttal and supporting docs upld for LE timing and High cost conditions. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 224988558 | [Redacted] | [Redacted] | 35603665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $[redacted] on initial LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-02-05): [redacted] received valid COC document Buyer Comment (2026-02-05): coc setails upld |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 224999409 | [Redacted] | [Redacted] | 35613822 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. | - | Appraisal was made subject to and [redacted] was not found in file. | Reviewer Comment (2026-06-05): Received [redacted]-Completion document and associated, exception cleared. Buyer Comment (2026-06-04): 1004d Reviewer Comment (2026-02-13): The utility inspection is dated prior to the appraisal which would not be an acceptable document. A final inspection verifying all utilities are operational would be required. Buyer Comment (2026-02-12): Rebuttal and proof utilities are on |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 224999409 | [Redacted] | [Redacted] | 35613840 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Copy of Third-party verification, Business license or entity, CPA letter for self-employment business was not found in file. | Reviewer Comment (2026-02-13): Received third party verification. Dated post closing, however this exception is cleared. Reviewer Comment (2026-02-12): Provided document is post note date, require third party verification within [redacted] days prior to the note date. Buyer Comment (2026-02-11): Business confirmation |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||||
| 224999409 | [Redacted] | [Redacted] | 35625742 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Copy of Third-party verification, Business license or entity, CPA letter for self-employment business was not found in file. | Reviewer Comment (2026-02-13): Received third party verification. Dated post closing, however this exception is cleared. Reviewer Comment (2026-02-12): Provided document is post note date, require third party verification within [redacted] days prior to the note date. Buyer Comment (2026-02-11): See business confirmation |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35670616 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided. | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared. Buyer Comment (2026-02-09): econsent |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671401 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final [redacted] not provided in file. | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared. Buyer Comment (2026-02-09): final 1003 |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671406 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided | [redacted] not provided in file. | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared. Buyer Comment (2026-02-09): [redacted] |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671441 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate lock not provided in file. | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared. Buyer Comment (2026-02-09): lock |
02/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671442 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. | Closing disclosure for subject property not provided in file. | Reviewer Comment (2026-02-10): [redacted] received [redacted] final CD Buyer Comment (2026-02-09): final cd |
02/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671443 | Compliance | Compliance | Federal Compliance | Compliance | Note Interest Accrual Start Date | Disbursement Date is missing. Unable to determine Interest Accrual Start Date from the Note due to missing information. | Closing disclosure for subject property not provided in file. | Reviewer Comment (2026-02-10): [redacted] received [redacted] final CD |
02/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671444 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Closing disclosure for subject property not provided in file. | Reviewer Comment (2026-02-10): [redacted] received [redacted] final CD Buyer Comment (2026-02-09): Final CD submitted |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35671445 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to cancel not provided in file. | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared. Buyer Comment (2026-02-09): RTC |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225014557 | [Redacted] | [Redacted] | 35672423 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI due to proposed expense not matching with AUS in file due to REO property, and the difference is over [redacted]%. | Reviewer Comment (2026-04-22): Received email from client to use bonus income. Condition cleared. Reviewer Comment (2026-04-14): With the lease the DTI was reduced, however DD DTI remains slightly over [redacted]% at [redacted]%. There appears to be a slight discrepancy in the borrower's open remaining debt. Reviewer Comment (2026-04-14): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-04-13): Please see updated lease for [redacted] - The income from this should clear this condition. Reviewer Comment (2026-02-10): Exception cancelled in error. DTI is over [redacted]%. Reviewer Comment (2026-02-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-02-10): PC Cert |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672432 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Difference in DTI due to proposed expense not matching with AUS in file due to REO property, and the difference is over [redacted]%. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert Reviewer Comment (2026-02-10): Received paystub for [redacted] which is assumed to be [redacted], however the paystub information regarding pay and year to date figures and start date do not match the TRUV verification. Please provide clarification and evidence these are one and the same entity. Buyer Comment (2026-02-10): vvoe submitted |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672456 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is not provided in file within [redacted] business days of note. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Buyer Comment (2026-02-24): PC Cert Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert submitted Reviewer Comment (2026-02-10): Received an Experian verification of employment however the document does not support the income from [redacted] or [redacted]. Buyer Comment (2026-02-10): vvoes |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672457 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not provided in file within [redacted] business days of note. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert submitted Reviewer Comment (2026-02-10): Received an Experian verification of employment however the document does not support the income from [redacted] or [redacted]. Buyer Comment (2026-02-10): vvoe submitted |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672458 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not provided in file within [redacted] business days of note. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert submitted Reviewer Comment (2026-02-10): Received an Experian verification of employment however the document does not support the income from [redacted] or [redacted]. Buyer Comment (2026-02-10): vvoe submitted |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672489 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Verification of employment not provided in file for wage income. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert submitted Reviewer Comment (2026-02-10): Received an Experian verification of employment however the document does not support the income from [redacted] or [redacted]. Buyer Comment (2026-02-10): vvoe submitted |
02/25/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225014557 | [Redacted] | [Redacted] | 35672490 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Verification of employment not provided in file for wage income. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. |
02/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35672517 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification of employment not provided in file. | Reviewer Comment (2026-02-25): Received Verification of employment in file within [redacted] days and also confirm employer name is same for both employment. Exception Cleared. Reviewer Comment (2026-02-23): Require Borrower VVOE documents of both employer "[redacted]" and "[redacted]" within [redacted] business days from the closing date, as provided Experian VVOE document employer names does not match borrower employer names. Exception Remains. Buyer Comment (2026-02-19): PC Cert submitted Reviewer Comment (2026-02-10): Received an Experian verification of employment however the document does not support the income from [redacted] or [redacted]. Buyer Comment (2026-02-10): vvoe submitted |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225014557 | [Redacted] | [Redacted] | 35770337 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | [redacted] received [redacted] final CD. Missing initial CD | Reviewer Comment (2026-02-20): [redacted] received initial CD. Buyer Comment (2026-02-19): ICD |
02/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| 225014557 | [Redacted] | [Redacted] | 35770419 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] received [redacted] Final CD. Missing valid changed circumstance for adding fee and no cure was provided on final CD | Reviewer Comment (2026-02-25): [redacted] received a valid COC. Buyer Comment (2026-02-24): the recertification of value was provided with initial package submission, [redacted]. Reviewer Comment (2026-02-20): [redacted] received COC. However, we would also require supporting document recertification document in order to clear the exception. Buyer Comment (2026-02-19): COC |
02/25/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225014557 | [Redacted] | [Redacted] | 36280148 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | With the lease the DTI was reduced, however DD DTI remains slightly over [redacted]% at [redacted]%. There appears to be a slight discrepancy in the borrower's open remaining debt. | Reviewer Comment (2026-04-22): Received email from client to utilize the borrower's bonus income. Condition cleared. |
04/22/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225019237 | [Redacted] | [Redacted] | 35683502 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception requested to use market rent on a purchase transaction that will not be vacant at the time of closing. Condition Max [redacted]% LTV/CLTV, Occupancy review due to superior property, post-closing inspection acknowledgement is required but was not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-02-02): Client elects to waive with compensating factors. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225019237 | [Redacted] | [Redacted] | 35700845 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. Variance is more than [redacted]. | Discrepancy in [redacted]. Lender [redacted] [redacted]%. DD calculated [redacted] [redacted]%. Unable to determine discrepancy due to missing lender [redacted] worksheet. | Reviewer Comment (2026-02-20): Received required documentation. Condition cleared. Reviewer Comment (2026-02-20): Received updated documentation, however [redacted] remains a discrepancy. DD [redacted] is [redacted]. Bid Tape is [redacted]and updated [redacted] worksheet reflects [redacted]. Buyer Comment (2026-02-19): PC Cert Reviewer Comment (2026-02-10): The UW worksheet reflects unit [redacted] rent income as $[redacted]however the market rent is $[redacted]. Lease agreements are not located in the file. Lender exception approval provided to use market rent. Buyer Comment (2026-02-10): [redacted] worksheet |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225019237 | [Redacted] | [Redacted] | 36286496 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted]does not meet [redacted] requirements. Variance is more than [redacted]. | DD [redacted] is at [redacted]%, however bid tape provided is at .[redacted]%. [redacted] has requested an exception be set with there is a discrepancy in the [redacted]. | Reviewer Comment (2026-04-27): Received required documentation. Condition cleared. Reviewer Comment (2026-04-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence [redacted]: [redacted]; Bid Tape [redacted]: [redacted]. |
04/27/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225019280 | [Redacted] | [Redacted] | 35683992 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Variance in DTI is due to Primary Expenses. Borrower name is not reflecting in Mortgage statement. Hence PITIA for primary was not considered. | Reviewer Comment (2026-02-16): Cleared. Received REO docs and updated [redacted] and [redacted]. Buyer Comment (2026-02-12): See uploads Reviewer Comment (2026-02-10): Reviewed lenders rebuttal, however DTI remains a discrepancy. The final application does not reflect the property on [redacted] as an REO. An updated [redacted] would be required reflecting all properties owned by the borrower. After entering the taxes of $[redacted]and the HOI of $[redacted] for this property, the DTI is now [redacted]% vs the lenders DTI on the updated [redacted]of [redacted]%. File will also require evidence the [redacted] property is Free & clear or a current statement will be required.. Condition remains and tape data is also still a discrepancy of [redacted]%. Reviewer Comment (2026-02-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-02-10): LOX |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225019280 | [Redacted] | [Redacted] | 35684005 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Variance in DTI is due to Primary Expenses. Borrower name is not reflected on Mortgage statement, expenses omitted on final [redacted] as a result. Hence PITIA for primary was not considered. | Reviewer Comment (2026-02-16): Cleared. Received updated [redacted] and [redacted], and REO docs. Buyer Comment (2026-02-12): See uploads Reviewer Comment (2026-02-10): Reviewed lenders rebuttal, however DTI remains a discrepancy. The final application does not reflect the property on [redacted] as an REO. An updated [redacted] would be required reflecting all properties owned by the borrower. After entering the taxes of $[redacted]and the HOI of $[redacted]for this property, the DTI is now [redacted]% vs the lenders DTI on the updated [redacted] of [redacted]%. File will also require evidence the [redacted] property is Free & clear or a current statement will be required.. Condition remains and tape data is also still a discrepancy of [redacted]%. Buyer Comment (2026-02-10): [redacted] |
02/16/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225019280 | [Redacted] | [Redacted] | 35684006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-02-16): Cleared. Received updated [redacted] and [redacted], and REO docs. Buyer Comment (2026-02-12): See uploads Reviewer Comment (2026-02-10): Reviewed lenders rebuttal, however DTI remains a discrepancy. The final application does not reflect the property on [redacted] as an REO. An updated [redacted] would be required reflecting all properties owned by the borrower. After entering the taxes of $[redacted]and the HOI of $[redacted]for this property, the DTI is now [redacted]% vs the lenders DTI on the updated [redacted] of [redacted]%. File will also require evidence the [redacted] property is Free & clear or a current statement will be required.. Condition remains and tape data is also still a discrepancy of [redacted]%. Buyer Comment (2026-02-10): See upload |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225019280 | [Redacted] | [Redacted] | 35684009 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-02-11): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-02-10): See Rebuttal. Cured at closing |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225019280 | [Redacted] | [Redacted] | 35684010 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-02-13): [redacted] Received Confirmation, Survey required by title. Buyer Comment (2026-02-12): Survey Attestation. Required for title. |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225019280 | [Redacted] | [Redacted] | 35684011 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-02-11): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-02-10): Rebuttal |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225019280 | [Redacted] | [Redacted] | 35701273 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument signed but not dated by [redacted]. Please provide updated Security Instrument signed and dated by both. | Reviewer Comment (2026-04-24): Corrective [redacted] Affidavit received to cure the undated co-borrower signature on the Security Instrument. Exception Cleared. Buyer Comment (2026-04-22): Please see attached [redacted] Affidavit. Per [redacted], this document is acceptable to clear the condition. |
04/24/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225019280 | [Redacted] | [Redacted] | 35811399 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225019280 | [Redacted] | [Redacted] | 35811401 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225036609 | [Redacted] | [Redacted] | 35705545 | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-11): Exempt from ATR Seller Comment (2026-02-10): Updated Compliance [redacted] Seller Comment (2026-02-09): Updated Compliance [redacted] |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| 225036609 | [Redacted] | [Redacted] | 35705548 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-02-11): Exempt from ATR |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| 225043636 | [Redacted] | [Redacted] | 35727204 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception has been approved for - Property-Non-Warrantable Condo-Lofts at [redacted]. Allow inadequate condo insurance policy when [redacted] budget supports reserve allocations greater than recommended and [redacted] of [redacted] owners makeup the HOA board. Exception condition- Given the multiple [redacted] exceptions, this is a counteroffer to a Max [redacted] LTV. -Max [redacted] LTV -[redacted] exception [redacted] -Provide evidence of satisfactory waiver of rights of recovery against unit owners coverage -All other guidelines to be met Pricing/Conditions Max LTV-[redacted] |
Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-05): Lender Exception with Compensating Factors provided. |
02/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225043636 | [Redacted] | [Redacted] | 35727427 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-02-18): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-02-17): e-consent |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225043636 | [Redacted] | [Redacted] | 35727500 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No Valid coc in file for fees added in closing disclosure. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225057985 | [Redacted] | [Redacted] | 35765026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property to the borrower. | Reviewer Comment (2026-02-19): Received Deed. Exception Cleared. Buyer Comment (2026-02-17): Warranty Deed |
02/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225057998 | [Redacted] | [Redacted] | 35735872 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | Provided initial [redacted] application document was not signed and dated by the borrower and lender. | Reviewer Comment (2026-02-19): Initial 1003 document received and verified. Exception cleared Buyer Comment (2026-02-17): 1003 |
02/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225057998 | [Redacted] | [Redacted] | 35735884 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225058060 | [Redacted] | [Redacted] | 35757848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-02-18): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-02-17): LOE |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225063142 | [Redacted] | [Redacted] | 35757387 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. | Reviewer Comment (2026-02-24): Received business purpose certificate. Exception cleared. Buyer Comment (2026-02-23): Business Purpose |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225063142 | [Redacted] | [Redacted] | 35757388 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization letter is missing. | Reviewer Comment (2026-02-24): Received business purpose certificate. Exception cleared. Buyer Comment (2026-02-23): Business Purpose |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225063142 | [Redacted] | [Redacted] | 35757389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rate Lock is missing. | Reviewer Comment (2026-02-24): Received rate lock. Exception cleared. Buyer Comment (2026-02-23): Lock form |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225063142 | [Redacted] | [Redacted] | 35757395 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Coverage amount is $[redacted] ; loan amount is $[redacted] and reconstruction cost per estimator is $[redacted]. | Reviewer Comment (2026-02-26): Received updated HOI Buyer Comment (2026-02-26): Hazard |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225063142 | [Redacted] | [Redacted] | 35805374 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. Variance is more than [redacted]. | Diligence DSCR: ___; Bid Tape DSCR: ___. |
DTI Discrepancy. Lender [redacted] is [redacted]. Due diligence review used rent per lease agreement $[redacted]/ $[redacted]PITIA = [redacted] [redacted] | Reviewer Comment (2026-02-27): Cleared. Per client [redacted] matches. Buyer Comment (2026-02-27): For this condition, we match [redacted] at [redacted], can we get this cleared ? |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225087962 | [Redacted] | [Redacted] | 35803151 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Third party verification document has no date. | Reviewer Comment (2026-05-14): Received lender exception approval Buyer Comment (2026-05-12): Approved exception proof of [redacted]% ownership Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-03-23): Received Secretary of State Printout, but Operating Agreement is also required to meet alternate documentation requirement for the above condition. Exception remains. Buyer Comment (2026-03-19): Rebuttal and support information |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225087962 | [Redacted] | [Redacted] | 35816727 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-14): Client elects to waive with compensating factors. Reviewer Comment (2026-05-14): Received lender exception for requirement to documetn borrowers percentage in business and access to business fundd. He is a single owner of his construction company whih means there is no operating agreement as it's only [redacted] person. confirmed there is not other doucments other than SOS documents which only show the borrower. Buyer Comment (2026-05-12): See exception Reviewer Comment (2026-05-05): Provided article of organization does not verify the percentage of ownership. Required operating agreement to clear this condition. Exception remains. Buyer Comment (2026-05-04): Articles of Organization Reviewer Comment (2026-03-23): Received Secretary of State Printout, but Operating Agreement is also required to meet alternate documentation requirement for the above condition. Exception remains. Buyer Comment (2026-03-19): See rebuttal Reviewer Comment (2026-03-03): Provided Secretary of State Printout only covers the partial requirement of verification of business existence and start date, it does not verify the percentage ownership. As per guidelines, for a [redacted], an operating agreement and Secretary of State Printout would meet the requirements. Buyer Comment (2026-02-27): Business look up, good for [redacted] days . Shows owner and date opened |
05/14/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225087962 | [Redacted] | [Redacted] | 35816742 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Reviewer Comment (2026-03-03): date of third-party verification verified. |
03/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225087962 | [Redacted] | [Redacted] | 35816743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Reviewer Comment (2026-03-03): date of third-party verification verified. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225087962 | [Redacted] | [Redacted] | 35816744 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Reviewer Comment (2026-05-14): Received lender exception approval Buyer Comment (2026-05-12): See exception Reviewer Comment (2026-03-23): Received Secretary of State Printout, but Operating Agreement is also required to meet alternate documentation requirement for the above condition. Exception remains. Buyer Comment (2026-03-19): See rebuttal |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225087962 | [Redacted] | [Redacted] | 35816745 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Reviewer Comment (2026-03-03): date of third-party verification verified. |
03/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225087962 | [Redacted] | [Redacted] | 35816747 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third party verification/CPA letter with self-employment start date and percentage of ownership of business was missing. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-14): Client elects to waive with compensating factors. Buyer Comment (2026-05-12): See exception Reviewer Comment (2026-04-08): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: CPA Letter, Third Party Verification Reviewer Comment (2026-03-23): Received Secretary of State Printout, but Operating Agreement is also required to meet alternate documentation requirement for the above condition. Exception remains. Buyer Comment (2026-03-19): See rebuttal |
05/14/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225087962 | [Redacted] | [Redacted] | 35816749 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Unable to verify monthly insurance payment for property on [redacted] | Reviewer Comment (2026-03-10): Property [redacted] is vacant land and insurance verification not required, exception cleared Buyer Comment (2026-03-09): Vacant Land only no insurance |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225087962 | [Redacted] | [Redacted] | 35816753 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to business funds was not provided. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-14): Client elects to waive with compensating factors. Buyer Comment (2026-05-12): See exception Reviewer Comment (2026-03-23): Verification the use of business funds will not have negative impact on the business via a CPA letter or cash flow analysis is required. Exception remains. Buyer Comment (2026-03-19): See rebuttal |
05/14/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225087962 | [Redacted] | [Redacted] | 35952120 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing documents confirming business ownership. | Reviewer Comment (2026-05-14): Received lender exception approval Buyer Comment (2026-05-12): See exception Reviewer Comment (2026-03-23): Received Secretary of State Printout, but Operating Agreement is also required to meet alternate documentation requirement for the above condition. Exception remains. Buyer Comment (2026-03-19): See rebuttal |
05/14/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225097633 | [Redacted] | [Redacted] | 35809606 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rate Lock is missing. | Reviewer Comment (2026-02-19): Received Rate Lock document. Exception cleared. Seller Comment (2026-02-18): Lock Doc received |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225101005 | [Redacted] | [Redacted] | 35811052 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender Bid tape DTI [redacted]%, Review DTI [redacted]% . The lenders [redacted] supports DD DTI, however the Bid tape remains a discrepancy | Reviewer Comment (2026-04-27): DTI has been updated. Reviewer Comment (2026-04-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-04-07): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI for us to get it changed. Buyer Comment (2026-04-06): DTI is [redacted] |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225101005 | [Redacted] | [Redacted] | 35811084 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-04-27): DTI updated. |
04/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225101005 | [Redacted] | [Redacted] | 35811085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Data Discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]% . The reason for the discrepancy is UTD as Review DTI of [redacted]matches lender DTI provided on [redacted] form. | Reviewer Comment (2026-04-27): DTI updated. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225101005 | [Redacted] | [Redacted] | 35811086 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Estimated Taxes, Insurance, and Assessments payment is missing on final CD. | Reviewer Comment (2026-03-20): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-03-19): No escrows |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225101005 | [Redacted] | [Redacted] | 35811087 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed | Estimated Taxes, Insurance, and Assessments payment is missing on final CD. | Reviewer Comment (2026-03-20): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-03-19): See corrected PCCD |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225101005 | [Redacted] | [Redacted] | 35811088 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted] for loan with no escrow account established. | Estimated Taxes, Insurance, and Assessments payment is missing on final CD. | Reviewer Comment (2026-03-20): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-03-19): See corrected PCCD |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225101005 | [Redacted] | [Redacted] | 35811089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Estimated Taxes, Insurance, and Assessments payment is missing on final CD. | Reviewer Comment (2026-03-20): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-03-19): See corrected PCCD |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225112842 | [Redacted] | [Redacted] | 35818880 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Coverage of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-05-06): Received final Title policy document. The Title policy coverage amount is covered the loan amount. Verified and updated details. Exception Cleared. Buyer Comment (2026-05-05): Please see updated title with the vesting corrected. Reviewer Comment (2026-04-15): The provided final title document shows vesting name as [redacted] Trust dated [redacted] instead of [redacted], Trustee of the [redacted] Trust dated [redacted]. Please provide with correct vesting. Exception remains. Buyer Comment (2026-04-14): Please see updated title attached. |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225112842 | [Redacted] | [Redacted] | 35818890 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-06): Received final Title policy document. Verified and updated details. Exception Cleared. |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||
| 225112842 | [Redacted] | [Redacted] | 35818909 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for ineligible vesting type (land trust per section [redacted] of the guides)-current and proposed vesting is a Land Trust which is layered held within the borrowers [redacted] - approved. Per disposition, attorney opinion letter required to evidence the Trust dated [redacted] meets all FNMA requirements for revocable trust vesting with the beneficiary being [redacted]. Subject to meeting all other [Redacted] guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-18): Lender Exception with Compensating Factors provided. |
02/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| 225112842 | [Redacted] | [Redacted] | 35845563 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing Date on signature line. | Reviewer Comment (2026-05-07): Corrected security instrument provided. Reviewer Comment (2026-05-07): Provided security instrument indicates a signature date of [redacted], which is after the closing date. Exception Remains. Buyer Comment (2026-05-06): We had a new mortgage signed to correcting the closing signing errors. Please clear. Reviewer Comment (2026-05-06): Received the security instrument indicates a signature date of [redacted], which is after the closing date. Exception Remains. Buyer Comment (2026-05-05): Please see resigned Corrective mortgage and Rider signed and dated as required. |
05/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225114377 | [Redacted] | [Redacted] | 35826083 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requests exception for Max [redacted] Acres, Correspondent guidelines. Compensating factor is reserves [redacted]+ months more than requirement. Exception condition is all other guidelines to be met. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
Reserves: [redacted] Guideline Requirement: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-25): Client elects to waive with compensating factors. Buyer Comment (2026-02-25): Reserve Analysis: [redacted] months PITIA: $[redacted] [redacted] months PITIA: $[redacted] Total ([redacted]m + [redacted]m): $[redacted] Net Cash-Out Proceeds: $[redacted] This aligns with [redacted] guideline under Asset Accounts, which states that cash-out proceeds may be used to satisfy reserve requirements up to a maximum [redacted]% LTV-a threshold this loan meets. Please advise which guideline we are missing here |
02/25/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846053 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted] Provide updated policy reflecting minimum coverage of $$[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-24): Received RCE. Exception cleared. Seller Comment (2026-02-23): Replacement Cost Estimated attached |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846120 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to Most recent signed and dated [redacted]/K-1, Bank statement/VOD document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): Updated 1003 and 1008 Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted] months verified bank statement for interest/dividends income. File does not have any [redacted] party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted]months verified bank statement for interest/dividends income. File does not have any third party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225117907 | [Redacted] | [Redacted] | 35846121 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule B | Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. | [redacted] due to Most recent signed and dated [redacted]/K-1, Bank statement/VOD document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted]months verified bank statement for interest/dividends income. File does not have any third party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846123 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to Most recent signed and dated [redacted]/K-1, Bank statement/VOD document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted]months verified bank statement for interest/dividends income. File does not have any third party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846124 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to Most recent signed and dated [redacted]/K-1, Bank statement/VOD document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846134 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The calculated investor's qualifying total debt ratio exceeds the lender's requirement by [redacted]%, which is the reason for the using Qualification Method as I/O period. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): File does not have any third party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846135 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Most recent signed and dated [redacted]/K-1, Bank statement/VOD document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted]months verified bank statement for interest/dividends income. File does not have any third party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846136 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated investor's qualifying total debt ratio exceeds the lender's requirement by [redacted]%, which is the reason for the using Qualification Method as I/O period. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): File does not have any [redacted] party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225117907 | [Redacted] | [Redacted] | 35846144 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Bank statement/VOD, most recent signed and dated [redacted]/K-1 document missing for Interest/Dividends income. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. Seller Comment (2026-03-05): 1008 Final Seller Comment (2026-03-05): Updated 1003 Reviewer Comment (2026-03-04): Received CPA letter stating the business' expense ratio based on the most recent year's statements. But the letter is dated post-closing. Please provide [redacted]. Expense letter dated prior to closing and [redacted]. If Interest / Dividends is not to be considered, please provide updated [redacted] removing the Interest / Dividends income and [redacted] with updated income and DTI. Seller Comment (2026-03-03): ATTACHED CPA LETTER AND UPDATED ICW Reviewer Comment (2026-02-25): Required most recent signed and dated 1040/tax transcript and [redacted] months verified bank statement for interest/dividends income. File does not have any [redacted] party letter to consider expense ratio of [redacted]% as mentioned in the worksheet, income will remain the same considering [redacted]% expense ratio. Exception remains. Seller Comment (2026-02-24): ATTACHED INCOME CALC WORKSHEET |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225117907 | [Redacted] | [Redacted] | 35989001 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-06): Cleared. Received updated 1003/1008 and post closing CPA letter confirming expense factor. |
03/06/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225118020 | [Redacted] | [Redacted] | 35848478 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock is missing and is required by the Lender. | Reviewer Comment (2026-03-02): Initial [redacted] Rate Lock received. Exception cleared. Buyer Comment (2026-02-26): initial lock upld |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829294 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOI and Tax verification for property located at "[redacted]" | Reviewer Comment (2026-03-03): Hazard Insurance and Tax verification and HOA document received and verified. Exception cleared. Buyer Comment (2026-03-02): Please see attached Tax cert, Proof of HOA dues and HOI on [redacted]. I have also updated and attached the 1008/1003 with accurate debt service on this property. AUS is within tolerance and update is not required. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829297 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOI and Tax verification for property located at "[redacted]" | Reviewer Comment (2026-03-03): Hazard Insurance and Tax verification document received and verified. Exception cleared. Buyer Comment (2026-03-02): Please see attached tax and insurance verification. I have also updated and attached the 1008/1003 with accurate debt service on this property. AUS is within tolerance and update is not required. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829702 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than [redacted] days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Third party verification of borrower's employment ([redacted]) dates of operation and status of business was not provided. | Reviewer Comment (2026-05-15): Lender restated loan designation. Condition cleared. Reviewer Comment (2026-05-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. ([redacted],[redacted] & [redacted]/S-Corp) Buyer Comment (2026-05-13): Please change designation to QM as per the attached Exception approval for post close CPA letter. Reviewer Comment (2026-05-12): Received CPA letter is post note date. Require Audited/Third Party P&L, CPA Letter, or other Third Party Verification prior to note date. Exception Remains. Buyer Comment (2026-05-08): Per AUS there is no condition requiring start date. We have verified self-employment and income as per the AUS. Please clear condition or provide information where this requirement can be found. Reviewer Comment (2026-05-04): Require Third party verification of borrower's both employment [redacted] & [redacted] & [redacted] Start Date of operation as provided documents only confirm business is active and operating. Exception Remains. Buyer Comment (2026-04-30): Based on Confirmation of Tax returns for [redacted] found in [redacted] this confirms that the business has been operating for at least [redacted]years ([redacted], [redacted]& [redacted]). CPA correspondence (attached) has verified via email that the business is still active. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829703 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third party verification of borrower's employment ([redacted]) dates of operation and status of business was not provided. | Reviewer Comment (2026-05-15): Lender restated loan designation. Condition cleared. Buyer Comment (2026-05-13): Please change designation to QM as per the attached Exception approval for post close CPA letter. Reviewer Comment (2026-05-12): Received CPA letter is post note date. Require Audited/Third Party P&L, CPA Letter, or other Third Party Verification prior to note date. Exception Remains. Buyer Comment (2026-05-08): Per AUS last paragraph of item [redacted] states Lender s also have the option of obtaining the Verbal verification of employment after the note date and prior to delivery of the loan to FannieMae. This is in compliance with the selling guide. Reviewer Comment (2026-05-07): CPA letter ([redacted]) is post note date. Require [redacted] party verification of borrower's both employment [redacted] & [redacted] & [redacted] Start Date of operation as provided documents only confirm business is active and operating. Exception Remains. Buyer Comment (2026-05-06): The documentation provided reasonably supports both the existence and duration of the borrower's self-employment. The [redacted]Schedule C does not indicate the business was started in that year (box H is not checked), which confirms the business was already in operation prior to [redacted]. When combined with the [redacted]-[redacted]personal and business tax transcripts and CPA correspondence confirming both [redacted] and [redacted] & [redacted]are active and ongoing concerns, this establishes a continuous operating history of at least [redacted] years. While a standalone [redacted]-party document explicitly stating the start date is not present, the totality of the documentation meets the intent of the guideline by evidencing both longevity and stability of the businesses. Therefore, the requirement for start date verification is reasonably satisfied. Reviewer Comment (2026-05-04): Require Third party verification of borrower's both employment [redacted] & [redacted] & [redacted] Start Date of operation as provided documents only confirm business is active and operating. Exception Remains. Buyer Comment (2026-04-30): Please see [redacted] year Personal and business transcripts and CPA correspondence confirming businesses are still active. Sched C for [redacted] ([redacted]) does not have the box checked (item H on page [redacted] of Sched C) that the business was started that year which supports the business has been in operation for a minimum of [redacted] years, [redacted], [redacted]& [redacted]. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829704 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan was agency approved with Originator Loan Designation of Exempt form ATR. However, the loan failed due to missing Third party Verification. | Reviewer Comment (2026-03-03): Consecutive [redacted] months Bank statement received for account number ending with [redacted] and Account Number: [redacted]. Exception cleared. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35829840 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted] on CD but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-04-24): [redacted] received PCCD and LOE Buyer Comment (2026-04-23): Survey fee was a required fee by title in order to issue a Title Policy on the property. Please see Correspondence with title to confirm. I have updated the PCCD moving the survey fee to Section H and provided a cover letter that was sent to the borrower for this clerical correction. |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225118292 | [Redacted] | [Redacted] | 35829924 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan failed due to missing Third party Verifications and addition asset statements | Reviewer Comment (2026-05-15): Lender restated loan designation. Condition cleared. Buyer Comment (2026-05-13): Please change designation to QM as per the attached Exception approval for post close CPA letter. Reviewer Comment (2026-05-12): Received CPA letter is post note date. Require Audited/Third Party P&L, CPA Letter, or other Third Party Verification prior to note date. Exception Remains. Buyer Comment (2026-05-08): Per AUS there is no condition requiring start date. We have verified self-employment and income as per the AUS. Please clear condition or provide information where this requirement can be found. Reviewer Comment (2026-05-04): Require Third party verification of borrower's both employment [redacted] & [redacted] & [redacted] Start Date of operation as provided documents only confirm business is active and operating. Exception Remains. Buyer Comment (2026-04-30): Tax transcripts, CPA Letter and Assets have been provided along with Proof of business listing already in file dated [redacted] ([redacted]& [redacted]) within [redacted]days of closing as required by AUS. |
05/15/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225118292 | [Redacted] | [Redacted] | 35829925 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The loan failed due to missing Third party Verifications and additional asset statements. | Reviewer Comment (2026-05-15): Lender restated loan designation. Condition cleared. |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 35831636 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] months bank statements required for assets consideration. | Reviewer Comment (2026-03-03): Consecutive [redacted] months Bank statement received for account number ending with [redacted] and Account Number: [redacted]. Exception cleared. Buyer Comment (2026-03-02): Please see attached bank statements as follows: [redacted] Bank #[redacted] [redacted] Statement and [redacted] #[redacted] [redacted] statement. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225118292 | [Redacted] | [Redacted] | 36497869 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation was restated by lender to Safe Harbor QM APOR, however citing is generating due to the third party verification from the CPA does not indicate the business operation dates which is required for Safe Harbor QM APOR. | Reviewer Comment (2026-05-15): SHQM (APOR) |
05/15/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225118292 | [Redacted] | [Redacted] | 36497870 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Reviewer Comment (2026-05-15): Income requirements met. |
05/15/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225118292 | [Redacted] | [Redacted] | 36497871 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Reviewer Comment (2026-05-15): Income requirements met. |
05/15/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225118292 | [Redacted] | [Redacted] | 36504689 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Exception set is an [redacted] for informational purposes only. | Buyer Comment (2026-05-16): ok to waive EV2 QM validation |
05/16/2026 | 2 | A | B | B | B | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225120020 | [Redacted] | [Redacted] | 35845937 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-03-03): Cleared. Received econsent. Buyer Comment (2026-03-02): Compliance Report |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225120020 | [Redacted] | [Redacted] | 35845939 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for property [redacted]. | Reviewer Comment (2026-03-03): Cleared. Received HOI Buyer Comment (2026-03-02): Insurance |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225120020 | [Redacted] | [Redacted] | 35845947 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | [redacted] months bank statement is required for account #[redacted], #[redacted] and #[redacted] | Reviewer Comment (2026-03-18): Removed asset from usability. Condition cleared. Reviewer Comment (2026-03-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Financial Institution: [redacted] // Account Type: Stocks / Account Number: [redacted], Financial Institution: [redacted] // Account Type: Stocks / Account Number: [redacted] Reviewer Comment (2026-03-03): [redacted] months bank statement is required for account #[redacted] Reviewer Comment (2026-03-03): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Financial Institution: [redacted] // Account Type: Checking / Account Number: [redacted], Financial Institution: [redacted]// Account Type: Stocks / Account Number: [redacted], Financial Institution: [redacted] // Account Type: Stocks / Account Number: [redacted] Buyer Comment (2026-03-02): See [redacted], [redacted], [redacted], and [redacted]for #[redacted]and upload. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225120020 | [Redacted] | [Redacted] | 35845976 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] months bank statement is required for account #[redacted], #[redacted]and #[redacted] | Reviewer Comment (2026-03-18): Removed asset from usability. Condition cleared. Reviewer Comment (2026-03-12): Required consecutive [redacted]-month Bank statement for account number ending with [redacted].Exception remains. Buyer Comment (2026-03-11): bank statement Reviewer Comment (2026-03-03): [redacted] months bank statement is required for account #[redacted] |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225120020 | [Redacted] | [Redacted] | 35845981 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Initial [redacted] section [redacted] declaration page shows borrower will occupy the property as primary residence. | Reviewer Comment (2026-03-09): Received updated initial 1003. Exception cleared. Buyer Comment (2026-03-06): Updated 1003. |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225120020 | [Redacted] | [Redacted] | 36043053 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI Diligence Investor Qualifying Total Debt Ratio: [redacted]%; and data compare reflects Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Diffrence is over [redacted]%. | Reviewer Comment (2026-04-27): Received updated 1008 and income. Condition cleared. Reviewer Comment (2026-04-23): Exception has been escalated to [redacted] manager. Buyer Comment (2026-04-21): You should have received the updated bid tape. Please review Reviewer Comment (2026-03-23): The discrepancy is in the bid tape that was provided us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI for us to get it changed Buyer Comment (2026-03-19): 1008 Reviewer Comment (2026-03-18): The issue is the Bid Tape provided is [redacted]%. DD income matches income used by lender with a DTI of [redacted]%. [redacted]reflects a DTI of [redacted]%. Buyer Comment (2026-03-17): Please see Worksheet [redacted]and WVOE pg [redacted]. The borrower's current income is supported. Please adjust you income as it shows $[redacted] |
04/27/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225140901 | [Redacted] | [Redacted] | 35853738 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Complete Fraud Report is missing in file. | Reviewer Comment (2026-03-24): Received full report. cleared. Buyer Comment (2026-03-24): Fraud |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225140901 | [Redacted] | [Redacted] | 35853747 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance is due to Interest Only qualification method. | Reviewer Comment (2026-05-05): Received revised 1008. Exception Cleared. Buyer Comment (2026-05-01): Updated DTI to [redacted]% |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225140901 | [Redacted] | [Redacted] | 35853751 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI variance. | Reviewer Comment (2026-05-07): Cleared |
05/07/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225140901 | [Redacted] | [Redacted] | 35853752 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to DTI variance. | Reviewer Comment (2026-05-07): Cleared |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225140901 | [Redacted] | [Redacted] | 35871551 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a signed/dated close out letter for the heloc paid at closing. | Reviewer Comment (2026-03-09): Received Updated closed out letter for the heloc account and there is not line for signature. Also, received correspondence from the Title Company for the same. Exception cleared. Buyer Comment (2026-03-05): HELOC |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225140901 | [Redacted] | [Redacted] | 35872428 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title shows a [redacted] filed against the property. This will need removed/satisfied. | Reviewer Comment (2026-03-09): Received correspondence from the Title Company for [redacted] was omitted as it's not related to the subject property. Exception cleared. Buyer Comment (2026-03-05): [redacted] not on subject property |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225142648 | [Redacted] | [Redacted] | 35860516 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-13): Received final title policy. Exception cleared. |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225142648 | [Redacted] | [Redacted] | 35860519 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-13): Received final title policy. Exception cleared. Buyer Comment (2026-03-11): policy upld |
03/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225142648 | [Redacted] | [Redacted] | 35860547 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The date is not provided on the Letter of Explanation document | Reviewer Comment (2026-03-13): Received lox signed on [redacted]. Exception cleared. Buyer Comment (2026-03-11): dated lox upld Reviewer Comment (2026-03-09): The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits. Buyer Comment (2026-03-07): please provide the doc ID for the letter you are referencing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225142648 | [Redacted] | [Redacted] | 35861987 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | We do not have documentation to exclude the [redacted] [redacted] liability, the business bank statement does not verify that the liability is paid by the business, and although the qualifying method is correctly applied, the DTI is higher because the liability remains included. | Reviewer Comment (2026-04-23): Received lender exception to approve DTI at [redacted]%. Condition cleared. Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-04-21): exception aprvl upld Reviewer Comment (2026-03-10): [redacted] that is paid by the business is already excluded. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Exception remains. Buyer Comment (2026-03-09): per guides, [redacted] months [redacted] #[redacted] statements showing no delinquencies were provided in loan file to exclude debt. Reviewer Comment (2026-03-09): Excluded [redacted] that is paid by the business. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Reviewer Comment (2026-03-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-03-07): [redacted] #[redacted] statements provided in loan file, the debt is paid by [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225142648 | [Redacted] | [Redacted] | 35862016 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | We do not have documentation to exclude the [redacted] liability, the business bank statement does not verify that the liability is paid by the business, and although the qualifying method is correctly applied, the DTI is higher because the liability remains included. | Reviewer Comment (2026-04-23): Received lender exception to approve DTI at [redacted]%. Condition cleared. Buyer Comment (2026-04-21): exception aprvl upld to rel docs Reviewer Comment (2026-03-10): [redacted]that is paid by the business is already excluded. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Also, The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits Doc ID [redacted]. Exception remains. Buyer Comment (2026-03-09): per guides, [redacted] months [redacted] #[redacted] statements showing no delinquencies were provided in loan file to exclude debt. Reviewer Comment (2026-03-09): The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits. Buyer Comment (2026-03-07): [redacted] #[redacted] statements provided in loan file, the debt is paid by [redacted] |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225142648 | [Redacted] | [Redacted] | 35862020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The date is not provided on the Letter of Explanation document. | Reviewer Comment (2026-03-13): Received lox signed on [redacted]. Exception cleared. Buyer Comment (2026-03-11): dated lox upld to trl docs Reviewer Comment (2026-03-09): The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits. Buyer Comment (2026-03-07): please provide the doc ID for the letter you are referencing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225142648 | [Redacted] | [Redacted] | 35862021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. | Reviewer Comment (2026-03-10): [redacted] received a valid COC. Buyer Comment (2026-03-09): coc details upld |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225142648 | [Redacted] | [Redacted] | 35862022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Reviewer Comment (2026-03-11): The loan was originally disclosed as a fixed rate on the [redacted] LE. The loan was later locked as an ARM on [redacted], and the revised LE with ARM terms was issued accordingly. Exception Cleared. Buyer Comment (2026-03-09): the loan was not an ARM per [redacted] LE, it was locked as an ARM on [redacted] LE and disclosure was sent. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225142648 | [Redacted] | [Redacted] | 35862023 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | Reviewer Comment (2026-03-11): The loan was originally disclosed as a fixed rate on the [redacted] LE. The loan was later locked as an ARM on [redacted], and the revised LE with ARM terms was issued accordingly. Exception Cleared. Buyer Comment (2026-03-09): the loan was not an ARM per [redacted] LE, it was locked as an ARM on [redacted] LE and disclosure was sent. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225142648 | [Redacted] | [Redacted] | 35862032 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | We do not have documentation to exclude the [redacted] liability, the business bank statement does not verify that the liability is paid by the business, and although the qualifying method is correctly applied, the DTI is higher because the liability remains included. | Reviewer Comment (2026-04-23): Received lender exception to approve DTI at [redacted]%. Condition cleared. Buyer Comment (2026-04-21): exception aprvl upld to rel docs Reviewer Comment (2026-03-10): [redacted]that is paid by the business is already excluded. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Also, The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits Doc ID [redacted]. Exception remains. Buyer Comment (2026-03-09): per guides, [redacted] months [redacted] #[redacted] statements showing no delinquencies were provided in loan file to exclude debt. Reviewer Comment (2026-03-09): Excluded [redacted] that is paid by the business. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Reviewer Comment (2026-03-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Buyer Comment (2026-03-07): [redacted] #[redacted] statements provided in loan file, the debt is paid by [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225142648 | [Redacted] | [Redacted] | 35862033 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The date is not provided on the Letter of Explanation document | Reviewer Comment (2026-03-13): Received lox signed on [redacted]. Exception cleared. Buyer Comment (2026-03-11): dated lox upld to trl docs Reviewer Comment (2026-03-09): The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits. Buyer Comment (2026-03-07): please provide the doc ID for the letter you are referencing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225142648 | [Redacted] | [Redacted] | 35862044 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | We do not have documentation to exclude the [redacted] liability, the business bank statement does not verify that the liability is paid by the business, and although the qualifying method is correctly applied, the DTI is higher because the liability remains included. | Reviewer Comment (2026-04-23): Received lender exception to approve DTI at [redacted]%. Condition cleared. Buyer Comment (2026-04-21): exception aprvl upld to rel docs Reviewer Comment (2026-03-10): [redacted]that is paid by the business is already excluded. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Also, The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits Doc ID [redacted]. Exception remains. Buyer Comment (2026-03-09): per guides, [redacted] months [redacted] #[redacted] statements showing no delinquencies were provided in loan file to exclude debt. Reviewer Comment (2026-03-09): Excluded [redacted] that is paid by the business. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Buyer Comment (2026-03-07): [redacted] #[redacted] statements provided in loan file, the debt is paid by [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225142648 | [Redacted] | [Redacted] | 35862045 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | We do not have documentation to exclude the [redacted] liability, the business bank statement does not verify that the liability is paid by the business, and although the qualifying method is correctly applied, the DTI is higher because the liability remains included. | Reviewer Comment (2026-03-09): Documentation to support excluding [redacted] account is not located in the file. Buyer Comment (2026-03-07): [redacted] #[redacted] statements provided in loan file, the debt is paid by [redacted] |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225142648 | [Redacted] | [Redacted] | 35996363 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-04-23): Received lender exception to approve DTI at [redacted]%. Condition cleared. Buyer Comment (2026-04-21): exception aprvl upld to trl docs Reviewer Comment (2026-03-10): [redacted]that is paid by the business is already excluded. DTI is now [redacted]%; and Bid Tape DTI is [redacted]%. Lender did not use the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment for qualifying P&I calculation. Also, The date is not provided on the "Letter of Explanation - [redacted]." regarding decline in deposits Doc ID [redacted]. Exception remains. Buyer Comment (2026-03-09): per guides, [redacted] months [redacted] #[redacted] statements showing no delinquencies were provided in loan file to exclude debt. |
04/23/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225142648 | [Redacted] | [Redacted] | 36328007 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [redacted]% DTI. Unable to downgrade/waive due to lenders exception approval documentation did not include the lenders compensating factors. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. Buyer Comment (2026-04-29): updated exception with comp factors upld |
05/01/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225144702 | [Redacted] | [Redacted] | 35864806 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing | Reviewer Comment (2026-03-04): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-03-02): Please see attached. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225144702 | [Redacted] | [Redacted] | 35864812 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD signed and final copy is missing. | Reviewer Comment (2026-03-23): Received complete Final Closing Statement in the file. Exception Cleared. Buyer Comment (2026-03-19): Please see attached Reviewer Comment (2026-03-04): Received incomplete closing statement as out of [redacted], only [redacted] pages have been received. Provide all the pages of signed & dated final closing statement. Exception remains. Buyer Comment (2026-03-02): Please see attached |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225144702 | [Redacted] | [Redacted] | 35864813 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is missing | Reviewer Comment (2026-03-04): Received [redacted]Patriot Act Information form. Exception cleared. Buyer Comment (2026-03-02): Please see attached. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225144702 | [Redacted] | [Redacted] | 35869284 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Evidence is required that the mortgage is paid off and satisfied. | Reviewer Comment (2026-05-08): Cleared. Received addtional closing statements reflecting payoffs that total the amount wired by the attorney. Reviewer Comment (2026-05-06): Please provide the source of the funds the attorney acquired to payoff the mortgage. Buyer Comment (2026-05-04): Please see attached. Reviewer Comment (2026-03-24): Received evidence the attorney for the title company wired a payment to the mortgage company to payoff the lien, however the source of these funds was not located in the file. Please provide the source of the funds the attorney acquired to payoff the mortgage. Buyer Comment (2026-03-23): Please see attached |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225147732 | [Redacted] | [Redacted] | 35865640 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted]. | Reviewer Comment (2026-03-09): Final title showing amount of $[redacted], cleared Buyer Comment (2026-03-07): loan policy upld |
03/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225147732 | [Redacted] | [Redacted] | 35865644 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file is missing a copy of the Final Title Policy. | Reviewer Comment (2026-03-09): Final title, cleared Reviewer Comment (2026-03-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Title Evidence: Commitment |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225147732 | [Redacted] | [Redacted] | 35865648 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-03-05): Business Purpose Certificate, cleared Buyer Comment (2026-03-05): cert upld |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225147732 | [Redacted] | [Redacted] | 35865654 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Evidence of Cash-Out Utilization is missing in file. | Reviewer Comment (2026-03-05): Business Purpose Certificate, cleared Buyer Comment (2026-03-05): cert upld to trl docs |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225147732 | [Redacted] | [Redacted] | 35892302 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage is insufficient to cover the loan amount. | Reviewer Comment (2026-05-20): Lender correspondence disclosing the RCE amount, cleared Buyer Comment (2026-05-20): The subject policy is written on a Replacement Cost basis with dwelling coverage of $[redacted], which matches the carrier-determined replacement cost of the improvements. Hazard insurance coverage is intended to insure the insurable value of the structure rather than the loan amount, and the current policy provides full replacement cost coverage. Request condition be cleared. Buyer Comment (2026-05-20): The hazard policy provides coverage of the stated replacement cost of the improvements. The carrier confirmed the replacement cost is $[redacted] and the policy coverage is issued for the same amount. As the property is insured to full replacement cost, the current coverage should satisfy standard hazard insurance requirements. Reviewer Comment (2026-03-05): The hazard doesn't specify how much the replacement cost is. If it is the same as the coverage amount there will still be a shortage. Buyer Comment (2026-03-05): the eoi on [redacted]confirms replacement cost |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225151526 | [Redacted] | [Redacted] | 35890142 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider - [redacted] Family is missing in the file. | Reviewer Comment (2026-05-18): Received scriveners affidavit which covers the SI and riders. Condition cleared. Reviewer Comment (2026-05-14): Received the corrective Scrivener's Affidavit showing a correction to the borrowing entity. The issue is, the Note and all business documents provided reflect the borrowing entity is T[redacted]. In addition to the Scriveners Affidavit provided changing the borrowing entity, all closing documents would need corrected and the correct business entity documentation would be required. Buyer Comment (2026-05-12): Please see attached. Reviewer Comment (2026-05-07): Received Scrivener's affidavit still shows business entity name as [redacted] Exception Remains. Buyer Comment (2026-05-05): The scrivener's affidavit clearly addresses the clerical error and explicitly states that the correction applies to the Security Instrument as well as the associated riders, including the [redacted] Family Rider. As such, the affidavit is not limited to the mortgage alone but extends to all referenced recorded documents. Given that the error is strictly clerical in nature (entity name spelling) and the affidavit directly identifies and corrects the affected documents, this should be sufficient to cure the defect without the need to rerecord the mortgage or riders. Reviewer Comment (2026-04-29): The borrowing entity's name is still misspelled on the [redacted] Family Rider, exception remains Buyer Comment (2026-04-29): Please see attached. Reviewer Comment (2026-03-03): Business entity name appears misspelled on the rider as '[redacted] Exception Remains. Buyer Comment (2026-02-27): Please see attached Family rider. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225151526 | [Redacted] | [Redacted] | 35890144 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Month Chain of Title is missing in the file. | Reviewer Comment (2026-03-03): Received [redacted] chain of title. Exception Cleared. Buyer Comment (2026-02-27): Please see attached chain of title. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225155022 | [Redacted] | [Redacted] | 35914128 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |
02/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225155422 | [Redacted] | [Redacted] | 35914497 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-04-08): Cleared. Received CPA letter to verify EIN. Seller Comment (2026-04-06): Per lender- Ein letter was lost so using accountants letter Seller Comment (2026-04-06): LOE Reviewer Comment (2026-03-03): Provided Trust Agreement and Operating Agreement. Require Employer Identification Number (EIN). Exception remains Seller Comment (2026-03-02): [redacted]OPERATING AGREEMETN OWEND BY [redacted]TRUST SEE TRUST UPLOAD Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted] - HAD TO SPLIT INTO [redacted] PDFS. [redacted] OPERATING AGREEMENT OWEND BY [redacted]TRUST SEE TRUST UPLOAD Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted]- HAD TO SPLIT INTO [redacted] PDFS. [redacted] OPERATING AGREEMENT OWEND BY [redacted]TRUST SEE TRUST UPLOAD Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted] - HAD TO SPLIT INTO [redacted] PDFS. [redacted] OPERATING AGREEMENT OWEND BY[redacted] TRUST SEE TRUST UPLOAD Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted] - HAD TO SPLIT INTO [redacted] PDFS. [redacted] OPERATING AGREEMENT OWEND BY [redacted] TRUST SEE TRUST UPLOAD Reviewer Comment (2026-03-02): Provided business entity search does not have Employer Identification Number. Exception remains. Seller Comment (2026-02-27): Included on Business Doc previously uploaded |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225155422 | [Redacted] | [Redacted] | 35921624 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy is missing | Reviewer Comment (2026-03-02): Provided hazard insurance policy which was in effect at the time of closing. Exception cleared. Seller Comment (2026-02-27): HOI attached |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225155422 | [Redacted] | [Redacted] | 35921672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the corporate resolution for the borrowing entity and all members reflecting the terms of the loan. | Reviewer Comment (2026-04-13): Received required documentation. Condition cleared. Seller Comment (2026-04-09): brwr updated doc Reviewer Comment (2026-04-08): Per guidelines, a Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required. Seller Comment (2026-04-06): Letter of Explanation Seller Comment (2026-04-06): Per lender - Ein letter was lost so using accountants letter Reviewer Comment (2026-03-27): Per lender guides, the following is required in section [redacted]: Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address Seller Comment (2026-03-25): Per lender - You shouldn't need a corp resolution as both members of the trust signed the deed so there is no need for a resolution…. Reviewer Comment (2026-03-03): Provided Trust Agreement and Operating Agreement. Require Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address. Exception remains Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS C[redacted] - HAD TO SPLIT INTO [redacted] PDFS Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted]- HAD TO SPLIT INTO [redacted] PDFS Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted] - HAD TO SPLIT INTO [redacted] PDFS Seller Comment (2026-03-02): TRUST DOCUMENTS - OWNS [redacted] - HAD TO SPLIT INTO [redacted] PDFS. [redacted] OPERATING AGREEMENT OWEND BY [redacted] TRUST SEE TRUST UPLOAD Reviewer Comment (2026-03-02): Received certificate of organization. Require unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address & signed by all the members of the borrowing business entity. Exception remains. Seller Comment (2026-02-27): Business Docs attached |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225156011 | [Redacted] | [Redacted] | 35917402 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing and is required by Lender | Reviewer Comment (2026-03-06): Received Initial [redacted] Rate Lock document, information validated. Exception Cleared. Buyer Comment (2026-03-05): Please see attached. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225156011 | [Redacted] | [Redacted] | 35921610 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | missing Mortgage statement . Unable to use [redacted] | Reviewer Comment (2026-05-20): Document provided [redacted] Reviewer Comment (2026-05-13): Mortgage statement with document date missing in loan file-[redacted]. Exception remains. Buyer Comment (2026-05-11): The borrower provided a screenshot from the current mortgage servicer's website which includes the servicing URL, confirms the subject property address [redacted] and reflects the full monthly mortgage payment amount. In addition, the file contains supporting documentation including hazard insurance, property tax documentation, and a RealQuest report confirming ownership and property details. While a traditional mortgage statement is not present, the combination of the servicing screenshot and supporting third-party documentation sufficiently validates the existence of the lien, property ownership, and associated monthly obligation. Based on the above, the documentation provided should be considered acceptable to support the REO and associated payment. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225162400 | [Redacted] | [Redacted] | 35923840 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Additional [redacted] month bank statement is required to meet asset requirements for purchase transaction. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-21): Client elects to waive with compensating factors. Reviewer Comment (2026-04-21): Lender exception provided for [redacted] of asset statements vs [redacted] Buyer Comment (2026-04-21): Corrected Exception Reviewer Comment (2026-04-16): Pending corrected exception approval document, exception remains Buyer Comment (2026-04-14): Apologies I am getting the approval updated to reflect acct [redacted] Buyer Comment (2026-04-14): EXCEPTION Reviewer Comment (2026-04-14): Lender exception provided is for different account ending with [redacted]which is not of borrower's and condition is placed for account [redacted] Buyer Comment (2026-04-10): exception |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225162400 | [Redacted] | [Redacted] | 35923843 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-03-12): Received E-consent Document, Exception Cleared. Buyer Comment (2026-03-11): econsent |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225162400 | [Redacted] | [Redacted] | 35923846 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount not provided. | Reviewer Comment (2026-03-12): Received Final Title policy document with valid policy amount. Exception Cleared. Buyer Comment (2026-03-11): prelim |
03/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225162400 | [Redacted] | [Redacted] | 35923849 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing copy of final title policy. | Reviewer Comment (2026-03-12): Received Final Title policy document with valid policy amount. Exception Cleared. |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225162400 | [Redacted] | [Redacted] | 35923857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing consecutive [redacted]-month bank statement for [redacted] account. | Reviewer Comment (2026-04-21): Received lender exception approval. Buyer Comment (2026-04-21): EXCEPTION Reviewer Comment (2026-04-16): Pending corrected exception approval document, exception remains Buyer Comment (2026-04-14): EXCEPTION Reviewer Comment (2026-04-14): Lender exception provided is for different account ending with [redacted]which is not of borrower's and condition is placed for account [redacted] Buyer Comment (2026-04-10): Exception |
04/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225162400 | [Redacted] | [Redacted] | 35923858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing consecutive [redacted]-month bank statement for [redacted] account. | Reviewer Comment (2026-04-21): Received lender exception approval. Buyer Comment (2026-04-21): EXCEPTION Reviewer Comment (2026-04-14): Lender exception provided is for different account ending with [redacted] which is not of borrower's and condition is placed for account [redacted] Buyer Comment (2026-04-10): Exception |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225162400 | [Redacted] | [Redacted] | 35923859 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted] Lien | TRID Final Closing Disclosure [redacted] on a [redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | No seller paid fees reflected on final closing disclosure. | Reviewer Comment (2026-03-12): [redacted] received seller CD Buyer Comment (2026-03-11): sellers cd |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225162469 | [Redacted] | [Redacted] | 35923909 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial rate lock document is missing. | Reviewer Comment (2026-03-16): Received Rate Lock document. Exception cleared. Buyer Comment (2026-03-13): initial lock upld |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225162469 | [Redacted] | [Redacted] | 35923919 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering business losses while calculating income. Lender's income: $[redacted]. Review income: $[redacted]. | Reviewer Comment (2026-04-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-04-23): rebuttal upld |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225162469 | [Redacted] | [Redacted] | 35923920 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering business losses while calculating income. Lender's income: $[redacted]. Review income: $[redacted]. | Reviewer Comment (2026-04-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-04-23): rebuttal upld to trl docs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225162469 | [Redacted] | [Redacted] | 35923990 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering business losses while calculating income. Lender's income: $[redacted]. Review income: $[redacted]. | Reviewer Comment (2026-04-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-04-23): rebuttal upld to trl docs |
04/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225162469 | [Redacted] | [Redacted] | 35923992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering business losses while calculating income. Lender's income: $[redacted]. Review income: $[redacted]. | Reviewer Comment (2026-04-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-04-23): rebuttal upld to trl docs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225162469 | [Redacted] | [Redacted] | 35923993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [redacted] due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering business losses while calculating income. Lender's income: $[redacted]. Review income: $[redacted]. | Reviewer Comment (2026-04-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-04-23): rebuttal upld to trl docs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225162469 | [Redacted] | [Redacted] | 35923996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee on closing disclosure is $[redacted]and as $[redacted]on LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-04-10): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-09): pccd docs and proof of delivery upld |
04/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225163279 | [Redacted] | [Redacted] | 35927329 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At Closing |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225163279 | [Redacted] | [Redacted] | 35927392 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. Buyer Comment (2026-05-01): Can you please redesignate to safe harbor QM APOR Reviewer Comment (2026-04-24): Please provide VOE within [redacted] from note date, Exception remains. Buyer Comment (2026-04-22): Please advise on re-designation Reviewer Comment (2026-03-20): Received VVOE, however the document is dated post closing which does not meet ATR requirements. Buyer Comment (2026-03-19): See upload |
05/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225163279 | [Redacted] | [Redacted] | 35927393 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. Buyer Comment (2026-05-01): Can you please redesignate to safe harbor QM APOR Reviewer Comment (2026-04-24): Please provide VOE within [redacted] from note date, Exception remains. Buyer Comment (2026-04-22): Please advise on re-designation Reviewer Comment (2026-03-20): Received VVOE, however the document is dated post closing which does not meet ATR requirements. Buyer Comment (2026-03-19): See upload |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35927394 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35927775 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE is missing for Borrower [redacted]. | Reviewer Comment (2026-03-20): Received VVOE which is dated post closing. However this condition is cleared. Buyer Comment (2026-03-19): See upload |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35929060 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. Buyer Comment (2026-05-01): Disregard previous message. Should read Can you please redesignate to safe harbor QM APOR Buyer Comment (2026-05-01): Hey [redacted], Can you please redesignate to safe harbor QM APOR Reviewer Comment (2026-04-24): Please provide VOE within [redacted] from note date, Exception remains. Buyer Comment (2026-04-22): Please advise on re-designation Reviewer Comment (2026-03-20): Received VVOE, however the document is dated post closing which does not meet ATR requirements. Buyer Comment (2026-03-19): See upload |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35929170 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] calendar days of the Note. | - | VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. Buyer Comment (2026-05-01): Can you please redesignate to safe harbor QM APOR Reviewer Comment (2026-04-24): Please provide VOE within [redacted] from note date, Exception remains. Buyer Comment (2026-04-22): Please advise on re-designation Reviewer Comment (2026-03-20): Require Borrower [redacted] VVOE document within [redacted] Calendar days from the closing date, as provided VVOE document after the closing date. Exception Remains. Buyer Comment (2026-03-18): VVOE |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35929920 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE for coborrower not provided in file. | Reviewer Comment (2026-03-20): Received VVOE which is dated post closing. However this condition is cleared. Buyer Comment (2026-03-19): See upload |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225163279 | [Redacted] | [Redacted] | 35929927 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-03-20): Received VVOE which is dated post closing. However this condition is cleared. Buyer Comment (2026-03-19): See upload |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 35930091 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] months bank statements for accounts ending in #[redacted] and #[redacted]not provided in file. | Reviewer Comment (2026-04-06): Received [redacted] bank statement & associated. Exception cleared. Buyer Comment (2026-04-02): [redacted] statement Reviewer Comment (2026-03-25): Bank statement received of [redacted] require [redacted] statement of [redacted] Buyer Comment (2026-03-23): [redacted] Reviewer Comment (2026-03-20): Reviewed all trailing documents however documentation to clear this exception was not among them. Buyer Comment (2026-03-19): See upload |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225163279 | [Redacted] | [Redacted] | 36335532 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | ATR failure due to missing income documentation: VOE for coborrower not provided in file. | Reviewer Comment (2026-05-01): Loan designation restated by lender. condition cleared. Buyer Comment (2026-05-01): Can you please redesignate to safe harbor QM APOR |
05/01/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225163279 | [Redacted] | [Redacted] | 36386811 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Lender restated loan designation. [redacted] is for informational purposes only. May be waived. | Reviewer Comment (2026-05-05): Client elects to waive. Buyer Comment (2026-05-01): Please waive |
05/05/2026 | 2 | A | B | B | B | A | [Redacted] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225163287 | [Redacted] | [Redacted] | 35924999 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to increase of recording fee. No valid COC provided, no evidence of cure in file. | Reviewer Comment (2026-04-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-20): Sent out today Buyer Comment (2026-04-20): PCCD with cure |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225163287 | [Redacted] | [Redacted] | 35929374 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Bridge loan documentation is missing from file. | Reviewer Comment (2026-03-11): Bridge loan CD received. Buyer Comment (2026-03-10): Bridge loan |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929384 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing | Reviewer Comment (2026-03-11): Initial rate lock agreement received. Buyer Comment (2026-03-10): Lock forms |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy | Reviewer Comment (2026-03-24): Received BPO. Condition cleared. Buyer Comment (2026-03-24): See valuation for departing |
03/24/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225163287 | [Redacted] | [Redacted] | 35929411 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | Data Discrepancy with DTI. Lender DTI [redacted]% Review DTI [redacted]% The reason for the discrepancy is Lender excluded PITIA for departing residence. According to guidelines, departing residence exclusion requires a valuation to be provided and it is missing from the file. | Reviewer Comment (2026-03-24): Received BPO. Condition cleared. Buyer Comment (2026-03-24): Valuation |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929412 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or Lender cure was provided for the $[redacted] increase of Credit Report Fee. | Reviewer Comment (2026-04-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-20): See PCCD with cure , sent out today |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225163287 | [Redacted] | [Redacted] | 35929413 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or Lender cure was provided for the $[redacted] increase in HOA Questionnaire fee. | Reviewer Comment (2026-04-21): S[redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-20): See PCDD with cure sent out today Reviewer Comment (2026-03-11): [redacted] received the COC dated [redacted] indicating an HOA Doc Fee of $[redacted]added to the loan. However, the Initial 1003 dated [redacted] reflects an HOA fee of $[redacted], and the requirement for the HOA Doc Fee of $[redacted]should have been known and disclosed at initial application. Additionally, the HOA Doc Fee was later split into charges of $[redacted]and $[redacted], with an invoice for $[redacted]paid to EOI present in the file. The file does not contain documentation supporting the addition of the $[redacted]fee. Please provide justification and supporting documents for the full HOA Doc Fee of $[redacted]; otherwise, a Cure is required, consisting of the PCCD, LOE, Refund Check, and Proof of Mailing. Buyer Comment (2026-03-10): ICD with COC. |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225163287 | [Redacted] | [Redacted] | 35929416 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Data Discrepancy with DTI. Lender DTI [redacted]% Review DTI [redacted]% The reason for the discrepancy is Lender excluded PITIA for departing residence. According to guidelines, departing residence exclusion requires a valuation to be provided and it is missing from the file. | Reviewer Comment (2026-03-24): Received BPO. Condition cleared. Buyer Comment (2026-03-24): See valuation for departing |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929430 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI [redacted]% Review DTI [redacted]% The reason for the discrepancy is Lender excluded PITIA for departing residence. According to guidelines, departing residence exclusion requires a valuation to be provided and it is missing from the file. | Reviewer Comment (2026-03-24): Received BPO. Condition cleared. Buyer Comment (2026-03-24): See valuation for departing |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929435 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Data Discrepancy with DTI. Lender DTI [redacted]% Review DTI [redacted]% The reason for the discrepancy is Lender excluded PITIA for departing residence. According to guidelines, departing residence exclusion requires a valuation to be provided and it is missing from the file. | Reviewer Comment (2026-03-24): Received BPO. Condition cleared. Buyer Comment (2026-03-24): See valuation for departing |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225163287 | [Redacted] | [Redacted] | 35929759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance found for the increased Appraisal fee and no evidence of a tolerance cure. | Reviewer Comment (2026-04-21): S[redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-20): See PCCD with cure sent out to day |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225174979 | [Redacted] | [Redacted] | 35937562 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document is incomplete, Business entity name not mentioned on signature page. | Reviewer Comment (2026-04-28): Received updated note with business entity name, Exception cleared. Buyer Comment (2026-04-27): scriveners/loi and revised note with llc in signature lines upld |
04/28/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | N/A | No | |||||||||||
| 225174979 | [Redacted] | [Redacted] | 35937772 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
The [redacted] indicates borrower's rent is $[redacted], however the lease in the file reflects the rent is $[redacted]. | Reviewer Comment (2026-03-24): Cleared. Received updated 1008. Buyer Comment (2026-03-24): revised 1008 upld Reviewer Comment (2026-03-16): An updated 1008 is required reflecting the correct primary rent. The current 1008 reflects primary rent of $[redacted], whereas the executed lease agreement supports a current rent of $[redacted]. Exception Remains. Buyer Comment (2026-03-13): [redacted] is for the rent on [redacted]nw [redacted], the rent for the [redacted] is correct at [redacted] |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | N/A | No | ||||||||||
| 225174983 | [Redacted] | [Redacted] | 35937501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-20): PCCD with cure, sent out today |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225175052 | [Redacted] | [Redacted] | 35937553 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for [redacted] time homebuyer with no rental experience is approved. Per disposition, max [redacted]% LTV, borrower to sign acknowledgement for post close inspection to assure he is not living in the property. Subject to meeting all other [Redacted] guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DSCR on the loan is greater than the guideline minimum. |
The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-02-27): Client elects to waive with compensating factors. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225175052 | [Redacted] | [Redacted] | 35937706 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. Variance is more than [redacted]. | [redacted] variance. Lenders [redacted]: [redacted]. Review [redacted]: [redacted]. Variance is due to appraisal showing market rent of $[redacted]vs the $[redacted] used by lender. No lease was provided in the file as indicated by the [redacted] worksheet. | Reviewer Comment (2026-05-05): Updated bid tape received. Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted] |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225177360 | [Redacted] | [Redacted] | 35939133 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-27): Sufficient Cure Provided within [redacted] of Closing |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225177360 | [Redacted] | [Redacted] | 35939173 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Final closing disclosure dated [redacted] reflecting total of payments of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Reviewer Comment (2026-05-05): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure v[Redacted]tion on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.. Separate exception added for the reopening of rescission requirement to finalize cure. Reviewer Comment (2026-05-05): added commentary Buyer Comment (2026-05-04): pccd docs upld Reviewer Comment (2026-04-27): Final CD issued [redacted] reflects Section D fees total of [redacted] Corrected CD issued [redacted] reflects section D total fees of $[redacted]. There was an increase in section D fees of $[redacted], related to the Title-Deep prep fee being added. At closing, which is determined as consummation date of [redacted] per Notary date and date of signing of Note, the Final CD was underdisclosed over threshold. Borrower's fees were underdisclosed $[redacted] for which a cure is due to borrower. Disbursement date/Funding date would not be the consummation date for testing. The noted cure is related to in comments is not related to this fee, but for [redacted]% fee tolerance v[Redacted]tion which is separate v[Redacted]tion and fee is unrelated to the TOP fee increase. Cure is Corrected CD, LOE to borrower, copy of cure refund for $[redacted], proof of mailing and proof of reopening of rescission to all consumers. [redacted] remain in cure period. Buyer Comment (2026-04-27): closer email and pccd docs, total # of payments matches calculated amount Reviewer Comment (2026-03-16): The PCCD, dated [redacted] shows a Title - Deed Prep Fee in section C. Please provide ALTA closing statement and PCCD removing the fee if the fee was not charged to the borrower. If the fee was charged to the borrower, then a cure would be required. Buyer Comment (2026-03-13): please remove the $[redacted] Title-Doc prep fee, this was not charged at closing. |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225177360 | [Redacted] | [Redacted] | 36399411 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted] years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure v[Redacted]tion on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Tolling rescission will remain for [redacted] years from consummation. Provide copies of RTC's and proof of delivery within [redacted] business days prior to cancel by date on RTC to reopen rescission. | Reviewer Comment (2026-05-11): [redacted] received RTC and proof of delivery. Buyer Comment (2026-05-07): rtc docs upld |
05/11/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225177360 | [Redacted] | [Redacted] | 36441601 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment (2026-05-14): Updated RTC received along with letter to the borrower and mailing label. Buyer Comment (2026-05-12): please cancel tis condition, rescission was reopened due to pccd cure borrower received[redacted] rescission expired [redacted], [redacted] tracking was provided [redacted] |
05/14/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225178826 | [Redacted] | [Redacted] | 35933971 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is [redacted] Holder. Per guidelines we need verification of borrower's current status with an attorney letter detailing case status or an online case status printout which shows no adverse actions taken. | Reviewer Comment (2026-04-17): Sufficient documentation was provided. Condition cleared. Reviewer Comment (2026-03-12): Provided employment authorization dated [redacted] along with printout dated [redacted] & Employment authorization card with category code C08. These document does not prove current status. Require verification of borrower's current status with an attorney letter detailing case status or an online case status printout which shows no adverse actions taken. Exception remains. Buyer Comment (2026-03-11): case status print out upld |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225178826 | [Redacted] | [Redacted] | 35933975 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to purchase an investment property which is reflecting rural on the appraisal is approved. Per disposition, exception approval is only applicable if the file is registered and closes as [Redacted], Subject to meeting all other [Redacted] guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-27): Client elects to waive with compensating factors. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| 225178826 | [Redacted] | [Redacted] | 35935683 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument provided and was signed but not dated by borrower. | Reviewer Comment (2026-03-24): Received signed and dated security instrument. Exception cleared. Buyer Comment (2026-03-20): recorded mortgage showing signature date completed upld |
03/24/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225180821 | [Redacted] | [Redacted] | 35942287 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in the file. | Reviewer Comment (2026-03-11): Business Purpose Certificate received and verified the details. Exception Cleared. Seller Comment (2026-03-10): business purpose certificate |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225180821 | [Redacted] | [Redacted] | 35942292 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2026-03-09): Received Fraud Report. Exception Cleared. Seller Comment (2026-03-06): Fraud report |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225180821 | [Redacted] | [Redacted] | 35942295 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC for both the borrower is missing in the file. | Reviewer Comment (2026-03-09): Received Fraud report with OFAC for both the borrower. Exception Cleared. Seller Comment (2026-03-06): OFAC shows checked on Fraud report |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225180821 | [Redacted] | [Redacted] | 35942701 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Provided Note document is incomplete as section [redacted] ,[redacted] & [redacted] is not reflecting. Please provide complete Note document with all the pages. | Reviewer Comment (2026-03-09): Received Note with all Pages. Exception Cleared. Seller Comment (2026-03-06): Note |
03/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225180821 | [Redacted] | [Redacted] | 35942706 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence [redacted] and bid tape [redacted] does not meet [redacted] requirements. Variance is more than [redacted]. | Diligence [redacted]: ___; Bid Tape [redacted]: ___. |
[redacted] worksheet is missing to verify [redacted] calculation. | Reviewer Comment (2026-03-04): Received verification from lender that [redacted] matches. However, Bid tape remains a discrepancy. Condition cleared. Seller Comment (2026-03-03): [redacted] updated to [redacted] |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225181485 | [Redacted] | [Redacted] | 35941871 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-03-16): Business Purpose Certificate, cleared Buyer Comment (2026-03-13): cert upld |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225181485 | [Redacted] | [Redacted] | 35945235 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution in file was not signed or dated. | Reviewer Comment (2026-05-27): Corporate Resolution, cleared Buyer Comment (2026-05-27): uc upld |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225183962 | [Redacted] | [Redacted] | 35943080 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Missing Business Purpose Certificate in file. | Reviewer Comment (2026-03-17): Business Purpose Certificate received and verified the details. Exception Cleared. Buyer Comment (2026-03-15): Please see attached initial and final Certification of Business Purpose. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225183962 | [Redacted] | [Redacted] | 35943108 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. | Reviewer Comment (2026-05-12): Received Gift letter and source of fund. Exception Cleared. Buyer Comment (2026-05-08): Please see attached Gift letters. There were actually [redacted]gifts given so donor has now broken out and updated the gift letters as applicable. [redacted]gift on [redacted] is documented in already documented in [redacted]. For the [redacted]nd gift received by title on [redacted] in the amount of [redacted], please see [redacted] Statement where the funds originated, Funds were transferred to account [redacted] then sent to Title company on [redacted] Buyer Comment (2026-05-08): Please see attached Gift letters. There were actually gifts given so donor has now broken out and updated the gift letters as applicable. First gift on [redacted] is documented in already documented in [redacted]. For the [redacted]nd gift received by title on [redacted] in the amount of [redacted], please see [redacted] Statement where the funds originated, Funds were transferred to account [redacted] then sent to Title company on [redacted] Buyer Comment (2026-05-08): Please see attached Gift letters. There were actually [redacted] gifts given so donor has now broken out and updated the gift letters as applicable. [redacted]gift on [redacted] is documented in already documented in [redacted]. For the [redacted]nd gift received by title on [redacted] in the amount of [redacted] please see [redacted] Statement where the funds originated, Funds were transferred to account [redacted] then sent to Title company on [redacted] Buyer Comment (2026-05-08): Please see attached Gift letters. There were actually [redacted] gifts given so donor has now broken out and updated the gift letters as applicable. [redacted]gift on [redacted] is documented in already documented in [redacted]. For the [redacted] gift received by title on [redacted] in the amount of [redacted], please see [redacted] Statement where the funds originated, Funds were transferred to account [redacted] on [redacted] then sent to Title company on [redacted] Reviewer Comment (2026-03-17): The provided gift letter is not executed. Please provide executed gift letter along with source of fund [redacted] to meet the cash from borrower and reserve requirement. Exception remains. Buyer Comment (2026-03-15): Cash to close is from gift funds from borrower's Father, [redacted]. Gift letter [redacted] reflects a total gift of $[redacted]which was documented as follows: $[redacted]in Earnest Money [redacted] and up to $[redacted]that could be brought to close. Donor's bank statements are found [redacted]. Borrower has [redacted]% into the transaction verified with her bank statement in [redacted](showing a total of $[redacted] which is sufficient for her [redacted]% and reserves [redacted] for a total required by borrower of [redacted] |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225183962 | [Redacted] | [Redacted] | 35943110 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Assets insufficient to meet reserves requirement. | Reviewer Comment (2026-05-12): Received Gift letter and source of fund. Exception Cleared. Buyer Comment (2026-05-08): Please see attached Gift letters. There were actually [redacted] gifts given so donor has now broken out and updated the gift letters as applicable. [redacted] gift on [redacted] is documented in already documented in [redacted]. For the [redacted] gift received by title on [redacted] in the amount of [redacted], please see [redacted] Statement where the funds originated, Funds were transferred to account [redacted] then sent to Title company on [redacted] Reviewer Comment (2026-03-17): The provided gift letter is not executed. Please provide executed gift letter along with source of fund [redacted] to meet the cash from borrower and reserve requirement. Exception remains. Buyer Comment (2026-03-15): Bank statement in [redacted] (showing a total of [redacted] which is sufficient for her [redacted]% and and reserves [redacted] for a total required by borrower of [redacted]. Balance of funds is coming from gift as described in previous condition. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225184148 | [Redacted] | [Redacted] | 35938399 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock is missing. | Reviewer Comment (2026-03-19): Received rate lock document in file. Exception Cleared. Buyer Comment (2026-03-18): Initial Rate Lock |
03/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225184148 | [Redacted] | [Redacted] | 35958196 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Fees were entered as shown on borrower and Seller CD. Some fees were listed as "other" due to fee names. Some seller fees were listed in different sections on Seller CD than on Borrower Final CD. | Reviewer Comment (2026-04-23): [redacted] received Corrected CD, LOE to borrower and Final Settlement Statement. Fees updated. Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]. (Final/[redacted] Reviewer Comment (2026-04-15): PCCD shows loan under disclosed in the amount of $[redacted]. Finance charge dropped to [redacted]on the PCCD. Buyer Comment (2026-04-14): See uploads Reviewer Comment (2026-04-08): Finance charge underdisclosure currently is $[redacted]. If the $[redacted] home Warranty Premium fee is not a Section B fee and was an optional fee by borrower and not related to the extension of credit, and lender provides a Corrected CD & LOE to borrower moving this fee to Section H, then finance charge underdisclosure should calculate to $[redacted] underdisclosed which is within tolerance and no cure would be required. Until lender provides a Corrected CD & LOE to borrower updated and matching the Final settlement statement feeamounts, we can not retest but appears would not require a cure. Buyer Comment (2026-04-07): Based on the last comment can you confirm the final cure amount is $[redacted] for appraisal fee increase before we cut the check? Reviewer Comment (2026-03-26): [redacted] received lender attestation and invoice confirming LoanSafe Report is for fraudreport and part of credit report services. Per rebuttal the Home Warranty premium will be relocated to proper section H for borrower chosen services, a Corrected CD & LOE should be provided to address. With the correction, the finance charge calculation should then be under the $[redacted]tolerance limit on purchase transactions. Please note that the Tax Return Verification fee of $[redacted] would not be excluded from finance charges as it does not appear to meet the [redacted] excludable fees requirements: (i) fees for title exam, abstract of title, title ins, prop survey & similar purposes, (ii) fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit report fees, (iv) property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to close, including fees related to pest & flood hazard determination & (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in finance charge. This fee is related to the extension of credit by lender, but appears that once Corrected CD & LOE moving the home warranty, should clear. Buyer Comment (2026-03-25): See explanation to remove Loan Safe Report Reviewer Comment (2026-03-19): Verification of Tax return, Loan safe report, and Home warranty premium seem to be causing the under disclosure. However, the purpose of the fee determines inclusion or exclusion of a fee from APR calculations. [redacted] states only the following fees may be excluded from APR testing. Also, the inclusion of a fee in a report or invoice, such as the loan safe report, does not equate the purpose of the fee with credit reporting or review. Please provide any documentation available that the above fees may fall under the [redacted] exclusions and we would be happy to review those fees and make any warranted changes. Buyer Comment (2026-03-18): See upload |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225184148 | [Redacted] | [Redacted] | 35958197 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Fees were entered as shown on borrower and Seller CD. Some fees were listed as "other" due to fee names. Some seller fees were listed in different sections on Seller CD than on Borrower Final CD. | Reviewer Comment (2026-04-23): [redacted] received Corrected CD, LOE to borrower and Final Settlement Statement. Fees updated. Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Detail was updated on 0[redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted](Final/[redacted] Reviewer Comment (2026-04-15): PCCD shows loan under disclosed in the amount of $[redacted]. Finance charge dropped to [redacted]on the PCCD. Buyer Comment (2026-04-14): See uploads Reviewer Comment (2026-03-26): [redacted] received lender attestation and invoice confirming LoanSafe Report is for fraudreport and part of credit report services. Per rebuttal the Home Warranty premium will be relocated to proper section H for borrower chosen services, a Corrected CD & LOE should be provided to address. With the correction, the finance charge calculation should then be under the $[redacted]tolerance limit on purchase transactions. Please note that the Tax Return Verification fee of $[redacted]would not be excluded from finance charges as it does not appear to meet the [redacted] excludable fees requirements: (i) fees for title exam, abstract of title, title ins, prop survey & similar purposes, (ii) fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit report fees, (iv) property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to close, including fees related to pest & flood hazard determination & (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in finance charge. This fee is related to the extension of credit by lender, but appears that once Corrected CD & LOE moving the home warranty, should clear. Buyer Comment (2026-03-25): See explanation to remove Loan Safe Report Reviewer Comment (2026-03-19): Verification of Tax return, Loan safe report, and Home warranty premium seem to be causing the under disclosure. However, the purpose of the fee determines inclusion or exclusion of a fee from APR calculations. [redacted] states only the following fees may be excluded from APR testing. Also, the inclusion of a fee in a report or invoice, such as the loan safe report, does not equate the purpose of the fee with credit reporting or review. Please provide any documentation available that the above fees may fall under the [redacted] exclusions and we would be happy to review those fees and make any warranted changes. Buyer Comment (2026-03-18): Upfront not life of loan. Buyer Comment (2026-03-18): See upload |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225184148 | [Redacted] | [Redacted] | 35958198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Warranty Premium. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Home warranty fee is not disclosed on borrower LE and no valid COC was found. | Reviewer Comment (2026-04-14): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-04-13): PCCD LOX |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225184148 | [Redacted] | [Redacted] | 35958279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Valid COC found | Reviewer Comment (2026-04-28): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-27): Cure Docs. Shipping out today. Reviewer Comment (2026-04-15): [redacted] confirms cure of $[redacted] is required for appraisal fee. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-04-14): Please confirm total cure amount of [redacted] Reviewer Comment (2026-03-25): [redacted] received the [redacted] however, the lender cure amount of $[redacted] was not provided in the inner column under Section J on Final CD. Please provide the corrected CD with the lender cure amount reflected in the inner column under Section J so we can reevaluate and re-baseline this exception. Buyer Comment (2026-03-24): [redacted] Reviewer Comment (2026-03-19): [redacted] received LOE, however if lender credit was provided towards cure. Corrected PCCD updating inner column of sec J with cure amount, LOE and true & certified copy of final settlement statement are required. Buyer Comment (2026-03-18): See upload |
04/28/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225199346 | [Redacted] | [Redacted] | 36395209 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy: [redacted] | Reviewer Comment (2026-05-08): Received [redacted] Worksheet. Exception Cleared. Buyer Comment (2026-05-06): exception aprvl and dscr worksheet upld |
05/08/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225201758 | [Redacted] | [Redacted] | 35956808 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document is not provided. | Reviewer Comment (2026-03-24): Received rate lock document in file. Exception Cleared. Buyer Comment (2026-03-20): Please see attached rate lock form. |
03/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225201758 | [Redacted] | [Redacted] | 35957163 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted] business days of the Note | Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-06): Please see the attached approved exception to allow for post close VVOE Reviewer Comment (2026-04-21): Require Borrower VVOE document within the [redacted] from the closing date, provided VVOE document is after the closing date & not within [redacted] from the closing date. Exception Remains. Buyer Comment (2026-04-17): Please see attached VVOE, third party verification of business and Rebuttal with guidelines. |
05/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225201758 | [Redacted] | [Redacted] | 35960877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to incomplete income documents verification of employment not provided | Reviewer Comment (2026-05-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-06): Please see the attached approved exception to allow for post close VVOE Reviewer Comment (2026-04-21): Require Borrower VVOE document within the [redacted] from the closing date, provided VVOE document is after the closing date & not within [redacted] from the closing date. Exception Remains. Buyer Comment (2026-04-17): Please see attached VVOE, third party verification of business and Rebuttal with guidelines. |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225201758 | [Redacted] | [Redacted] | 35960878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to incomplete income documents verification of employment not provided | Reviewer Comment (2026-05-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-06): Please see the attached approved exception to allow for post close VVOE Reviewer Comment (2026-04-21): Require Borrower VVOE document within the [redacted] from the closing date, provided VVOE document is after the closing date & not within [redacted] from the closing date. Exception Remains. Buyer Comment (2026-04-17): Please see attached VVOE, third party verification of business and Rebuttal with guidelines. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225203973 | [Redacted] | [Redacted] | 35969616 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted] | [redacted] valuation not provided for securitization. | Reviewer Comment (2026-04-23): CDA received and associated. Exception cleared. Buyer Comment (2026-04-22): Please see attached. Reviewer Comment (2026-04-06): Unable to waive required property valuation requirement. Buyer Comment (2026-04-02): Ok to Waive per CNR |
04/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225203973 | [Redacted] | [Redacted] | 35969626 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | Final [redacted] was not in the file. | Reviewer Comment (2026-04-06): Final [redacted]received & associated, exception cleared. Buyer Comment (2026-04-02): Please see attached. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225203973 | [Redacted] | [Redacted] | 35969628 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | Rider - Condo was missing from file. | Reviewer Comment (2026-04-06): Rider - Condo received & associated, exception cleared. Buyer Comment (2026-04-02): Please see attached. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225203973 | [Redacted] | [Redacted] | 35969685 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is Missing | Reviewer Comment (2026-04-06): Final [redacted]associated, exception cleared. Buyer Comment (2026-04-02): Please see attached. |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225203973 | [Redacted] | [Redacted] | 35974645 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Profit and loss for [redacted] is missing a document date. | Reviewer Comment (2026-04-16): Received executed [redacted]P&L Statement. Exception cleared Buyer Comment (2026-04-14): Please see attached. |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225203973 | [Redacted] | [Redacted] | 35974699 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Business license does not have a document date. | Reviewer Comment (2026-04-27): Received dated document.Condition cleared. Reviewer Comment (2026-04-16): Received Business License is not visible. Please provide Business License with document date. Exception remains Buyer Comment (2026-04-14): Please see attached business lic. And the date that it was uploaded to our encompass. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225205139 | [Redacted] | [Redacted] | 35973158 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution was not dated or signed. | Reviewer Comment (2026-05-13): Corporate Resolution, cleared Buyer Comment (2026-05-13): signed resolution upld Reviewer Comment (2026-04-10): Corporate resolution with document [redacted] is for a different business. Require corporate resolution for business [redacted] Exception remains Buyer Comment (2026-04-08): rebuttal upld |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225205139 | [Redacted] | [Redacted] | 35973177 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags on fraud report were not cleared. | Reviewer Comment (2026-04-22): Received fraud report with cleared red flags. Exception cleared. Buyer Comment (2026-04-21): please clarify or clear, there was a fraud in the file dated prior to closing, the cleared red flag report dated post close should be acceptable to clear the condition. Reviewer Comment (2026-04-09): The provided fraud report is post-note dated. Please provide a fraud report dated before the note date. Exception remains. Buyer Comment (2026-04-08): fraus with cleared red flags upld Reviewer Comment (2026-03-31): Received fraud report was available with initial package which reflects red flags. Provide fraud report with cleared red flags. Exception cleared. Buyer Comment (2026-03-30): fraud-red flags cleared upld |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225205139 | [Redacted] | [Redacted] | 35975152 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-03-23): Business Purpose Certificate, cleared Buyer Comment (2026-03-20): cert upld |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225207861 | [Redacted] | [Redacted] | 36103303 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval/[redacted] was not provided. | Reviewer Comment (2026-03-30): Received [redacted] Seller Comment (2026-03-26): Please see attached [redacted] Reviewer Comment (2026-03-25): Approval/ [redacted]not received. Exception remains. Seller Comment (2026-03-24): Documents received |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225207861 | [Redacted] | [Redacted] | 36103308 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Unable to verify the HOA of $[redacted] for the Investment property #[redacted]. | Reviewer Comment (2026-03-25): Received HOA. Exception cleared. Seller Comment (2026-03-24): Documents Received |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225207861 | [Redacted] | [Redacted] | 36115501 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the tax and HOA verification for this property. The final CD from the purchase of the property does not break these expenses down. | Reviewer Comment (2026-03-31): Received HOA verification. Exception cleared. Seller Comment (2026-03-30): HOA info received. Reviewer Comment (2026-03-25): Required HOA verification to verify remaining expenses. Exception remains. Seller Comment (2026-03-24): Documents Received |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972129 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of Employment was not provided within [redacted] business days prior to Note date for wages income. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. Reviewer Comment (2026-03-24): As per [redacted]borrower is a Wage earner and as per CPA letter Chamber of Digital Commerce is a non profit organization with no owners. Required Verification of Employment within [redacted] business days of Note date for wages income. Exception remains. Buyer Comment (2026-03-20): CPA letters are good for [redacted] other VOEs completed see system timestamps |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972165 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-03-24): Received Rate Lock document. Exception cleared. Buyer Comment (2026-03-20): Lock |
03/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972167 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to Income documentation requirement not met. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. Reviewer Comment (2026-04-15): Required Verification of Employment within [redacted] business days of Note date for borrower wages income. Exception remains. Buyer Comment (2026-04-13): Please redesignate to Safe Harbor / QM |
04/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225208140 | [Redacted] | [Redacted] | 35972168 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | [redacted] due to Verification of Employment not provided within [redacted] business days prior to Note date for wages income. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972169 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to Verification of Employment not provided within [redacted] business days prior to Note date for wages income. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to Income documentation requirement not met. Verification of Employment was not provided within [redacted] business days prior to Note date from [redacted]. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972171 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to Verification of Employment not provided within [redacted] business days prior to Note date for wages income. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972175 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of Employment was not provided within [redacted] business days prior to Note date for wages income. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225208140 | [Redacted] | [Redacted] | 35972176 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | [redacted] due to Income documentation requirement not met. Verification of Employment was not provided within [redacted] business days prior to Note date from [redacted]. | Reviewer Comment (2026-04-21): Loan designation restated by lender. Condition cleared. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225208140 | [Redacted] | [Redacted] | 36113945 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |
03/23/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225208140 | [Redacted] | [Redacted] | 36316164 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan designation restated by lender. | Reviewer Comment (2026-04-22): Client elects to waive. |
04/22/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225208142 | [Redacted] | [Redacted] | 35970915 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Flood Insurance Coverage Amount is insufficient by $[redacted] . Please provide flood insurance with sufficient coverage. | Reviewer Comment (2026-04-23): Received flood insurance policy with sufficient coverage. Exception cleared. Buyer Comment (2026-04-21): rebuttal and revised docs upld Reviewer Comment (2026-04-07): Provided document is flood Insurance invoice with multiple premium option. Exception remains Buyer Comment (2026-04-06): updated flood policy uploaded Reviewer Comment (2026-03-24): Flood Insurance coverage amount for $[redacted]does not covers the loan amount $[redacted]and coverage shortfall for $[redacted]. Exception remains Buyer Comment (2026-03-23): the policy coverage is [redacted], the loan amount is [redacted], replacement cost estimator is on [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225209280 | [Redacted] | [Redacted] | 35971608 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-30): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): Please see attached copy of cure check, PCCD, Cover letter and proof F[redacted] Delivered. Buyer Comment (2026-04-29): Please see attached copy of cure check, PCCD, Cover letter and proof [redacted] Delivered. |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225212107 | [Redacted] | [Redacted] | 35985852 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement not provided | Reviewer Comment (2026-03-31): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-03-30): Please see attched. |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225212107 | [Redacted] | [Redacted] | 35985858 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): Please see attached. Reviewer Comment (2026-04-21): [redacted] received corrected PCCD, LOE and proof of mailing but missing copy of refund check. Buyer Comment (2026-04-20): Please see attached to clear condition. |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225212109 | [Redacted] | [Redacted] | 35984832 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-14): [redacted] received valid COC document Buyer Comment (2026-04-13): Please see attached COC reason and clear condition. |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225212109 | [Redacted] | [Redacted] | 36017197 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-08): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-07): Please see attached. |
05/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225212326 | [Redacted] | [Redacted] | 35986581 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Provided to All Parties Test | TILA-RESPA Integrated Disclosure: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Provided Final Closing Disclosure [redacted] was not signed and dated by the borrower. | Reviewer Comment (2026-04-28): [redacted] received CD signed by all parties Buyer Comment (2026-04-27): LOE and signed CD |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure, and proof of delivery and NORTC if reopened rescission required | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212326 | [Redacted] | [Redacted] | 35986583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-03-27): [redacted] received valid COC Buyer Comment (2026-03-26): ICD with COC |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212326 | [Redacted] | [Redacted] | 35986584 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Provided Final Closing Disclosure [redacted] was not signed and dated by the borrower. | Reviewer Comment (2026-05-01): Received borrower attestation that final CD was received by them on [redacted] Condition cleared. Reviewer Comment (2026-05-01): The final CD was not signed until [redacted] however loan closed on [redacted] with a disbursement date of [redacted] Reviewer Comment (2026-05-01): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] from transaction date of [redacted] Buyer Comment (2026-04-30): See signed CD and LOE |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212326 | [Redacted] | [Redacted] | 35986585 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Provided Final Closing Disclosure [redacted] was not signed and dated by the borrower. | Reviewer Comment (2026-05-01): Received borrower attestation that final CD was received by them on[redacted] Condition cleared. Reviewer Comment (2026-05-01): The final CD was not signed until [redacted] however loan closed on [redacted] with a disbursement date of [redacted] Buyer Comment (2026-04-30): See signed CD and LOE |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212326 | [Redacted] | [Redacted] | 35986589 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Provided Initial Loan estimate was signed and dated on [redacted] however E-Consent received on [redacted]. | Reviewer Comment (2026-03-27): [redacted] received e-consent dated [redacted] Buyer Comment (2026-03-26): See highlighted page ,econsent [redacted] |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225212327 | [Redacted] | [Redacted] | 35983943 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No any cure evidence provided for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit | Reviewer Comment (2026-03-27): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-03-26): Please see final CD which reflects a [redacted] lender credit to cure this issue. |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212327 | [Redacted] | [Redacted] | 35983944 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No any cure evidence provided for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. | Reviewer Comment (2026-04-21): [redacted] received corrected PCCD and LOE moving the non lender required fee from section C to H. Buyer Comment (2026-04-20): Please see attached correspondence from Title confirming that the survey fee was a requirement for Title Insurance. Since this is not a [redacted] Requirement the fee has been moved from Section C to Section H. The revised PCCD and cover letter that was sent to the borrower has been provided for your review. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225212327 | [Redacted] | [Redacted] | 36320260 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-21): Sufficient Cure Provided At Closing |
04/21/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225212339 | [Redacted] | [Redacted] | 35986704 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted]/Investment Property loan secured by a "rurally designated" property. Document Borrower has [redacted] month's experience in the [redacted] years preceding loan application on owning and managing rental property(s) (or, alternatively, Borrower must qualify for Landlord Waiver). The documentation supporting the borrower having [redacted] months experience in the three years preceding the loan was not located in the file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-21): Client elects to waive with compensating factors. Buyer Comment (2026-04-17): The borrower qualifies with the landlord waiver. Please waive condition. |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225212539 | [Redacted] | [Redacted] | 35986666 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the final title policy. | Reviewer Comment (2026-04-17): Received final Title policy. Verified and updated details. Exception Cleared. |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225212539 | [Redacted] | [Redacted] | 35986670 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-17): Received final Title policy document. The Title policy coverage amount is covered the loan amount. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-16): final policy upld |
04/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225212539 | [Redacted] | [Redacted] | 35986672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in the file. | Reviewer Comment (2026-03-25): Business Purpose Certificate received and verified the details. Exception Cleared. Buyer Comment (2026-03-23): cert upld |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225212539 | [Redacted] | [Redacted] | 35986674 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provided Closing Statement is estimated. Please provide Executed Final HUD-1 or Closing Statement. | Reviewer Comment (2026-04-30): Received Closing statement. Exception Cleared. Buyer Comment (2026-04-29): please clear, page [redacted]shows debits/credits for the seller & buyer. Reviewer Comment (2026-04-17): The provided closing statement does not reflect the amount from the borrower or cash disbursed to the borrower. Exception Remains. Buyer Comment (2026-04-16): final ss upld |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225219500 | [Redacted] | [Redacted] | 35987070 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Diligence Investor qualifying total debt ratio is [redacted]% and Bid Tape investor qualifying total debt ratio is [redacted]%, DTI does not meet guideline requirements. The reason for subject PITI discrepancy calculated PITI is $[redacted]. | Reviewer Comment (2026-05-07): [redacted] Liability is not considered in DTI. Exception Cleared. Buyer Comment (2026-05-06): please remove the [redacted] from the dti, credit debt should only be $[redacted] Reviewer Comment (2026-05-01): Reviewed lenders updated [redacted]and [redacted], however the DTI is at [redacted]%. Lender and DD income is the same. Following are the expenses. PITI $[redacted]. [redacted]nd home $[redacted]. Investment REO $[redacted]. Open Debt $[redacted]which totals $[redacted]. Total debt of [redacted] Buyer Comment (2026-04-29): revised [redacted]upl , dti is [redacted]% Reviewer Comment (2026-04-17): Due diligence review of REO and credit debt matches expenses per the [redacted]. However the [redacted]has $[redacted]for total expenses versus $[redacted]of the review causing the DTI discrepancy. Buyer Comment (2026-04-15): the [redacted]reflects the p&i for the primary, the subject property is included in the totals. Reviewer Comment (2026-04-07): The [redacted]reflects the subject P&I as $[redacted]instead of $[redacted]. The does not reflect the correct property tax, insurance and HOA. Buyer Comment (2026-04-03): the bid tape/revised [redacted]are correct at [redacted]% Reviewer Comment (2026-03-30): Received updated [redacted]however the [redacted]reflects [redacted].% DTI and the fue diligence review is [redacted]%. Buyer Comment (2026-03-27): revised [redacted]upld Reviewer Comment (2026-03-23): Made adjustments based on updated [redacted]. DD DTI is now [redacted]% with the lender DTI of [redacted]%. It appears the PITI on the borrower's [redacted]home was not property captured on the lenders final application. The mortgage statement reflects $[redacted], however the application reflects $[redacted]. Reviewer Comment (2026-03-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-03-23): Received updated [redacted]with a DTI of Buyer Comment (2026-03-19): revised [redacted]upld Reviewer Comment (2026-03-19): There remains a discrepancy in the DTI. DD DTI [redacted]. The [redacted]provided reflects a DTI of [redacted]% and Bid tap is [redacted]%. Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-03-18): bid tape is incorrect, please see mortgage statement on [redacted] the P&I is [redacted] |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225219500 | [Redacted] | [Redacted] | 36039297 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for non-warrantable condo with compensating factors of residual income >[redacted]and FICO [redacted]points or more above requirement. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-03-11): Client elects to waive with compensating factors. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225219503 | [Redacted] | [Redacted] | 35986402 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 4506-C is missing in the file. | Reviewer Comment (2026-04-17): Received 4506-C of both Borrower's, information validated. Exception Cleared. Buyer Comment (2026-04-15): Please see attached. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986452 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted]-month consecutive bank statement is required. | Reviewer Comment (2026-04-17): Received revised bank statement which complete [redacted] consecutive bank statement requirement. Exception Cleared. Buyer Comment (2026-04-15): Please see attached. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986498 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-04-03): Initial [redacted]Rate Lock received, exception cleared Buyer Comment (2026-04-01): Please see attached |
04/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986499 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to income documents missing, 4506-C, most recent signed and dated 1040 and K-1. | Reviewer Comment (2026-04-29): NonQM Reviewer Comment (2026-04-17): Require Co-borrower year [redacted]and latest [redacted] signed and dated to clear the exception. Exception Remains. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225219503 | [Redacted] | [Redacted] | 35986500 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | [redacted] due to income documents missing, 4506-C, most recent signed and dated 1040 and K-1. | Reviewer Comment (2026-04-29): Sufficient documentation was provided per lender guides. Condition cleared. Reviewer Comment (2026-04-17): Require Co-borrower year [redacted] and latest [redacted]signed and dated to clear the exception. Exception Remains. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | [redacted] due to income documents missing, 4506-C, most recent signed and dated 1040 and K-1. | Reviewer Comment (2026-04-29): Sufficient documentation was provided per lender guides. Condition cleared. Reviewer Comment (2026-04-17): Require Co-borrower year [redacted] and latest [redacted] signed and dated to clear the exception. Exception Remains. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986502 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to income documents missing, 4506-C, most recent signed and dated 1040 and K-1. | Reviewer Comment (2026-04-17): Received revised bank statement which complete [redacted][redacted] consecutive bank statement requirement and meet 4506-C requirement . Exception Cleared. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 35986503 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to income documents missing, 4506-C, most recent signed and dated 1040 and K-1. | Reviewer Comment (2026-04-29): Sufficient documentation was provided per lender guides. Condition cleared. |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225219503 | [Redacted] | [Redacted] | 36044897 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | No recent [redacted] days statement for the xxxx account ending [redacted]. | Reviewer Comment (2026-04-17): Received revised bank statement which complete [redacted] consecutive bank statement requirement. Exception Cleared. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225219503 | [Redacted] | [Redacted] | 36044899 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The 4506C in file has no tax year. | Reviewer Comment (2026-04-17): Received 4506-C of both Borrower's, information validated. Exception Cleared. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225219503 | [Redacted] | [Redacted] | 36045647 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The 4506C did not have the tax year. Income documentation is not met. | Reviewer Comment (2026-04-17): Received revised bank statement which complete [redacted] consecutive bank statement requirement and meet 4506-C requirement . Exception Cleared. Buyer Comment (2026-04-15): [redacted]condition. Please clear. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 35991716 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Verification of appraisal being delivered to the borrower is not provided. | Reviewer Comment (2026-05-24): Updated delivery report received. Reviewer Comment (2026-04-17): Provided document shows appraisal received on [redacted] indicating there was a preliminary appraisal. Please provide evidence of receipt within [redacted] for revised appraisal dated [redacted] Buyer Comment (2026-04-15): Plese see attached. Reviewer Comment (2026-04-06): Borrowers confirmation of appraisal receipt signed on [redacted] received. Provided document does not show date on which valuation is received. Considering valuation received on [redacted] does not satisfy the requirement as [redacted] is not within [redacted] of Note date [redacted] Buyer Comment (2026-04-02): Please see attached |
05/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 35991717 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification of appraisal being delivered to the borrower is not provided. | Reviewer Comment (2026-05-24): Updated delivery report received. Buyer Comment (2026-05-21): Proof of delivery Reviewer Comment (2026-04-17): Provided document shows appraisal received on [redacted] indicating there was a preliminary appraisal. Please provide evidence of receipt within [redacted] for revised appraisal dated [redacted] Buyer Comment (2026-04-15): Please clear [redacted]condition. Reviewer Comment (2026-04-06): Borrowers confirmation of appraisal receipt signed on [redacted] received. Provided document does not show date on which valuation is received. Considering valuation received on [redacted] does not satisfy the requirement as [redacted] is not within [redacted] of Note date [redacted] Buyer Comment (2026-04-02): Please see attached |
05/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 35991720 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Counseling Disclosure not provided to borrower at the time of application. | Reviewer Comment (2026-04-06): [redacted]date can be used for testing rather than technical definition of application date for [redacted] subprime disclosure. Buyer Comment (2026-04-02): Please see attached. |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225230132 | [Redacted] | [Redacted] | 35991721 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. | Subprime Disclosure document is not provided to borrower | Reviewer Comment (2026-04-06): Security instrument contains subprime legend. Buyer Comment (2026-04-02): Upon review of [redacted] Banking Law [redacted] does not explicitly define application. In the absence of a statutory definition, [redacted] applies the industry-standard understanding of "application" as the point in time when the borrower's complete loan application, including the signed Uniform Residential Loan Application (Form [redacted]), is received. For loan [redacted] the [redacted] counseling disclosure was delivered on [redacted], which is the same date the signed [redacted] was received, and for loan [redacted], the disclosure was delivered on [redacted], in advance of the borrower's execution of the [redacted] on [redacted] In both instances, [redacted] provided the required counseling disclosure contemporaneously with application receipt, satisfying the "time of application" requirement as reasonably interpreted in accordance with statutory language and standard industry practice |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225230132 | [Redacted] | [Redacted] | 35991722 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-04-06): Exception was for Initial state counselling disclosure, received and cleared. Buyer Comment (2026-04-02): The APR chage is less than [redacted] Please waive condition. |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 35991723 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted] lien, subprime loan. | Disclosure of Taxes and Insurance document is not provided to borrower | Reviewer Comment (2026-04-06): Initial Closing disclosure discloses the approximate amount of the initial periodic payment for property taxes and hazard insurance. Buyer Comment (2026-04-02): Please see attached. |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225230132 | [Redacted] | [Redacted] | 36048216 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Third Party verification date is missing | Reviewer Comment (2026-04-06): CPA letter is dated and confirms that business is active and operational, an additional third party verification is not required. Buyer Comment (2026-04-02): Please see attached CPA letter and business serach both which are dated. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 36048226 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | third party verification is date is missing | Reviewer Comment (2026-04-06): CPA letter is dated and confirms that business is active and operational, an additional third-party verification is not required. Buyer Comment (2026-04-02): Please see attached VOE Which is dated. |
04/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225230132 | [Redacted] | [Redacted] | 36048227 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | third party verification is date is missing | Reviewer Comment (2026-04-06): CPA letter is dated and confirms that business is active and operational, an additional third-party verification is not required. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225230132 | [Redacted] | [Redacted] | 36234392 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] or [redacted] Compliant SubPrime Loan. | Reviewer Comment (2026-04-17): Client elects to waive. Buyer Comment (2026-04-15): Please clear [redacted]condition. |
04/17/2026 | 1 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994336 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by [redacted] | Reviewer Comment (2026-05-22): Updated HOI received. Buyer Comment (2026-05-20): Please see attached. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994342 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing in file. | Reviewer Comment (2026-06-03): Received updated Closing Disclosure is associated as Mortgage statement, exception cleared Buyer Comment (2026-06-01): Please see final CD from refi. Please clear condition. Reviewer Comment (2026-04-06): As per final [redacted] new loan is mentioned for property [redacted] and require Closing Disclosure, exception Remains Buyer Comment (2026-04-03): [redacted]and [redacted]are both combined into one loan. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994343 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing in file. | Reviewer Comment (2026-06-03): Received updated Closing Disclosure is associated as Mortgage statement, exception cleared Buyer Comment (2026-06-01): Please see final CD to clear condition. Reviewer Comment (2026-04-06): As per final[redacted] new loan is mentioned for property [redacted] and require Closing Disclosure, exception Remains Buyer Comment (2026-04-03): Please see attached. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994344 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing in file. | Reviewer Comment (2026-06-03): Received updated Closing Disclosure is associated as Mortgage statement, exception cleared Buyer Comment (2026-06-01): Please see final CD to clear condition. Reviewer Comment (2026-04-06): As per final[redacted] new loan is mentioned for property [redacted] and require Closing Disclosure, exception Remains Buyer Comment (2026-04-03): [redacted]and [redacted]are both combined into one loan. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994380 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Signed Business Purpose Certificate or business purpose letter of explanation is missing in file. | Reviewer Comment (2026-04-06): Received Business Purpose certificate, exception cleared Buyer Comment (2026-04-03): Please see attached. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994381 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-04-06): Received Business Purpose certificate, exception cleared |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225230149 | [Redacted] | [Redacted] | 35994382 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | N/A | N/A | Yes | ||||||||||
| 225230467 | [Redacted] | [Redacted] | 35995112 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four [redacted] prior to closing. | Initial Loan Estimate is dated [redacted] and electronically signed on [redacted] which is greater than [redacted]. Unable to determine delivery date due to missing doc tracker. TRID is failing for timing of Loan Estimate. | Reviewer Comment (2026-03-30): [redacted] received disclosure summary suffice. Buyer Comment (2026-03-28): Please see attached proof of delivery report showing revised LE was delivered [redacted] |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225230467 | [Redacted] | [Redacted] | 35995169 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to Title - Lender's Title Insurance & Title - Recording Service Fee. No valid COC provided, Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): Please see attached Cover Letter, PCCD, Cure Check and proof [redacted] delivered Reviewer Comment (2026-05-05): [redacted] acknowledged that the below comment that the cure should be $[redacted]required for the fees are exceeds over [redacted]% tolerance. Provide refund cure with cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-05-04): The cure should be $[redacted]. ILE Escrow fee - $[redacted] CPL - $[redacted] Recording - [redacted] [redacted] [redacted] fees at FCD)- [redacted] Reviewer Comment (2026-04-28): [redacted] received COC dated [redacted]. However, the Title- Lender's title insurance and Title -recording service fee added on CD dated [redacted] the provided COC is not within three days of the change. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-04-27): Please see attached LE dated [redacted] (Not CD). In addition, if you look at Proof of previous program was provided on [redacted]of the Rebuttal dated [redacted], it's now in trailing docs [redacted] which shows the previous program was a [redacted] Conforming [redacted] fixed rate. New program is [Redacted] which can be seen on the submission and the lock. Reviewer Comment (2026-04-20): [redacted] Received COC dated [redacted] states loan program change; however, need additional information about the new program change. Also, file is missing Corresponding CD for COC dated [redacted]. Provide additional information along with corresponding CD for COC dated [redacted] Buyer Comment (2026-04-17): Please see attached Rebuttal with screen prints of COC and proof of original program. |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225230471 | [Redacted] | [Redacted] | 35994746 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-16): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-04-14): Please see attached eConsent agreement. |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225230471 | [Redacted] | [Redacted] | 35994796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Final CD is In-complete, Page [redacted] is missing. | Reviewer Comment (2026-04-15): [redacted] received copies of required pages for the final CD. Buyer Comment (2026-04-14): Attached are pages [redacted] of the final CD. |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225230471 | [Redacted] | [Redacted] | 35994822 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Final CD is In-complete, Page [redacted] is missing. | Reviewer Comment (2026-04-21): Page [redacted] provided for Final closing disclosure document. Excerption cleared Buyer Comment (2026-04-20): Please see trailing docs for pages [redacted] of CD |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225230498 | [Redacted] | [Redacted] | 35995405 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. | Reviewer Comment (2026-04-30): Business Purpose Certificate, cleared Buyer Comment (2026-04-29): Please see attached Business Purpose Certificates. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225230498 | [Redacted] | [Redacted] | 36015324 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] of the Note Date and does not have automatic renewal. | Reviewer Comment (2026-04-30): Renewal policy, cleared Buyer Comment (2026-04-29): Please see borrower's renewal policy. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014705 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The date is not provided on the CPA document for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014716 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The date is not provided on the Expense Letter for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014734 | Compliance | Compliance | State Compliance | State Defect | ([Redacted]50(a)(6)) [Redacted] Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted] Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] prior to closing. | Document [redacted] - [redacted] Disclosure in file, [redacted] - does not indicate provided to borrower at least [redacted] prior to closing. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): The borrower generally receives and signs the [redacted]Disclosure (T-64) form at the closing table, alongside the federal Closing Disclosure (CD). It is an addendum required by the [redacted]Department of Insurance for [redacted]real estate transactions, providing a final, detailed summary of fees and title insurance. It is not one of the [redacted] documents. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225236994 | [Redacted] | [Redacted] | 36014735 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Esign consent agreement missing from file. Initial LE electronically signed. | Reviewer Comment (2026-04-01): [redacted] received e-consent dated [redacted] Buyer Comment (2026-03-31): please see attached proof of eConsent Date Buyer Comment (2026-03-31): please see proof of eConsent Date |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014736 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee increased from [redacted] to [redacted] without a valid change of circumstance or cure. | Reviewer Comment (2026-04-01): [redacted] received e-consent dated [redacted] Buyer Comment (2026-03-31): Initial LE that disclosed Loan Discount points at a floating at a rate of [redacted] Borrower locked in at a lower rate of [redacted]resulting in a higher Discount Fee charge. COC is in [redacted]showing Rate locked affecting Settlement Charges and the rate chosen resulted in interest rate dependent charges and terms (i.e. Discount Points) |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225236994 | [Redacted] | [Redacted] | 36014770 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to the date is not provided on the CPA and Expense Letter for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225236994 | [Redacted] | [Redacted] | 36014771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to the date is not provided on the CPA and Expense Letter for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014772 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to the date is not provided on the CPA and Expense Letter for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225236994 | [Redacted] | [Redacted] | 36014799 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The date is not provided on the CPA and Expense Letter for the business. | Reviewer Comment (2026-04-02): Document provided Buyer Comment (2026-03-31): Since we can't ask the CPA to back date these documents, please see attached screenshots showing when the letters were received and uploaded to our internal portal. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225237004 | [Redacted] | [Redacted] | 36015066 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-07): [redacted] Initial rate lock received. Exception cleared. Buyer Comment (2026-04-06): Please see attached rate lock form. |
04/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225237004 | [Redacted] | [Redacted] | 36015067 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [redacted] the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance is not escrowed. | Reviewer Comment (2026-04-07): Details corrected for flood insurance as per available document. Exception cleared Buyer Comment (2026-04-06): Property is a Condo and the HOA pays for the Flood insurance. Please see Flood policy [redacted] |
04/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225237004 | [Redacted] | [Redacted] | 36015068 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR fail due to insufficient cash from borrower requirement. | Reviewer Comment (2026-05-05): Loan is NonQM Buyer Comment (2026-05-04): Restip [redacted] Received lender exception. While the lender exception shows threshold compensating factors such as FICO, DTI and residual income, it does not explain what alternate documentation they relied upon to verify employment since they do not have a VVOE dated prior to closing. The VVOEs for both borrowers are dated after closing. If they did not verify employment pre-closing, this would result in an ATR Fail. Non-QM considerations are addressed within [redacted]) which specifically requires that creditor verify the consumer's current employment status at or before consummation if the creditor relied on income from the consumer's employment. [redacted] has received guidance from outside counsel that in order to yield a loan designation of Non-QM, the lender must have addressed and satisfied all [redacted] ATR factors under [redacted] prior to consummation. If any of the [redacted] ATR factors (including employment status) were not addressed at all, the loan designation would be considered ATR Fail (with an EV3-C level exception for the missing documentation). If any of the [redacted] ATR factors were addressed but were deficient in some way, or were not addressed until after consummation, then a loan designation of ATR Risk may be considered with compensating factors (with an EV2-B level exception for the deficiency). The compensating factors cannot override, waive or trump any of the [redacted] factors that were not addressed but can be used to reduce the severity for those guideline deficiencies that were addressed but did not have strict adherence. [redacted] Employment/Income for the borrowers is fully verified in the file. Please see Paystubs, W-2, and wage transcripts submitted in the original loan file. Exception is for the [redacted]-day VVOE only, which was done the day of disbursement rather than the Note date (difference is [redacted] day). Buyer Comment (2026-05-04): Restip[redacted] Received lender exception. While the lender exception shows threshold compensating factors such as FICO, DTI and residual income, it does not explain what alternate documentation they relied upon to verify employment since they do not have a VVOE dated prior to closing. The VVOEs for both borrowers are dated after closing. If they did not verify employment pre-closing, this would result in an ATR Fail. Non-QM considerations are addressed within [redacted] which specifically requires that creditor verify the consumer's current employment status at or before consummation if the creditor relied on income from the consumer's employment. [redacted] has received guidance from outside counsel that in order to yield a loan designation of Non-QM, the lender must have addressed and satisfied all [redacted] ATR factors under [redacted].[redacted](c) prior to consummation. If any of the [redacted] ATR factors (including employment status) were not addressed at all, the loan designation would be considered ATR Fail (with an EV3-C level exception for the missing documentation). If any of the [redacted] ATR factors were addressed but were deficient in some way, or were not addressed until after consummation, then a loan designation of ATR Risk may be considered with compensating factors (with an EV2-B level exception for the deficiency). The compensating factors cannot override, waive or trump any of the [redacted] factors that were not addressed but can be used to reduce the severity for those guideline deficiencies that were addressed but did not have strict adherence. [redacted] Employment/Income for the borrowers is fully verified in the file. Please see Paystubs, W-2, and wage transcripts submitted in the original loan file. Exception is for the [redacted]-day VVOE only, which was done the day of disbursement rather than the Note date (difference is [redacted] day). |
05/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225237004 | [Redacted] | [Redacted] | 36015069 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Verbal verification of employment is required within [redacted] from the note date. Verbal verification of employment is signed post note date. | Buyer Comment (2026-05-11): VOE Exception Reviewer Comment (2026-05-05): The employment exceptions have been regraded to EV2-B based on lender's indication that paystubs, W-2 and wage transcripts were used as alternate documentation to verify employment pre-closing. Reviewer Comment (2026-05-05): Regraded to EV2-B based on lender's indication that paystubs, W-2 and wage transcripts were used as alternate documentation to verify employment pre-closing. Buyer Comment (2026-05-04): Employment/Income for the borrowers is fully verified in the file. Please see Paystubs, W-2, and wage transcripts submitted in the original loan file. Exception is for the [redacted]-day VVOE only, which was done the day of disbursement rather than the Note date (difference is 1 day). Reviewer Comment (2026-04-24): Received lender exception. While the lender exception shows threshold compensating factors such as FICO, DTI and residual income, it does not explain what alternate documentation they relied upon to verify employment since they do not have a VVOE dated prior to closing. The VVOEs for both borrowers are dated after closing. If they did not verify employment pre-closing, this would result in an ATR Fail. Non-QM considerations are addressed within [redacted] which specifically requires that creditor verify the consumer's current employment status at or before consummation if the creditor relied on income from the consumer's employment. [redacted]has received guidance from outside counsel that in order to yield a loan designation of Non-QM, the lender must have addressed and satisfied all [redacted] ATR factors under [redacted] prior to consummation. If any of the[redacted] ATR factors (including employment status) were not addressed at all, the loan designation would be considered ATR Fail (with an EV3-C level exception for the missing documentation). If any of the [redacted] ATR factors were addressed but were deficient in some way, or were not addressed until after consummation, then a loan designation of ATR Risk may be considered with compensating factors (with an EV2-B level exception for the deficiency). The compensating factors cannot override, waive or trump any of the [redacted] factors that were not addressed but can be used to reduce the severity for those guideline deficiencies that were addressed but did not have strict adherence. Buyer Comment (2026-04-22): Please see attached Exception approval for VVOE being post close. |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225237004 | [Redacted] | [Redacted] | 36015070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Verbal verification of employment is required within [redacted] from the note date. Verbal verification of employment is signed post note date. | Buyer Comment (2026-05-11): VOE Exception Reviewer Comment (2026-05-05): The employment exceptions have been regraded to EV2-B based on lender's indication that paystubs, W-2 and wage transcripts were used as alternate documentation to verify employment pre-closing. Reviewer Comment (2026-05-05): Regraded to EV2-B based on lender's indication that paystubs, W-2 and wage transcripts were used as alternate documentation to verify employment pre-closing. Buyer Comment (2026-05-04): Employment/Income for the borrowers is fully verified in the file. Please see Paystubs, W-2, and wage transcripts submitted in the original loan file. Exception is for the [redacted]VVOE only, which was done the day of disbursement rather than the Note date (difference is 1 day). Reviewer Comment (2026-04-24): Received lender exception. While the lender exception shows threshold compensating factors such as FICO, DTI and residual income, it does not explain what alternate documentation they relied upon to verify employment since they do not have a VVOE dated prior to closing. The VVOEs for both borrowers are dated after closing. If they did not verify employment pre-closing, this would result in an ATR Fail. Non-QM considerations are addressed within [redacted] which specifically requires that creditor verify the consumer's current employment status at or before consummation if the creditor relied on income from the consumer's employment. [redacted] has received guidance from outside counsel that in order to yield a loan designation of Non-QM, the lender must have addressed and satisfied all[redacted] ATR factors under [redacted] prior to consummation. If any of the [redacted] ATR factors (including employment status) were not addressed at all, the loan designation would be considered ATR Fail (with an EV3-C level exception for the missing documentation). If any of the[redacted] ATR factors were addressed but were deficient in some way, or were not addressed until after consummation, then a loan designation of ATR Risk may be considered with compensating factors (with an EV2-B level exception for the deficiency). The compensating factors cannot override, waive or trump any of the 8 factors that were not addressed but can be used to reduce the severity for those guideline deficiencies that were addressed but did not have strict adherence. Buyer Comment (2026-04-22): Please see attached Exception approval for VVOE being post close. |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225237004 | [Redacted] | [Redacted] | 36015127 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Proceeds from secured loan document is not provided. | Reviewer Comment (2026-05-05): Cleared. Received addtional asset. Buyer Comment (2026-05-04): Please see attached HELOC Statement with [redacted] to show borrower had credit line of $[redacted]. Also see wire from [redacted] to title for funds to close. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225237004 | [Redacted] | [Redacted] | 36049331 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Insufficient asset to meet reserves requirements. | Reviewer Comment (2026-05-05): Cleared. Received addtional asset. Buyer Comment (2026-05-04): Please see attached HELOC Statement with [redacted] to show borrower had credit line of $[redacted]. Also see wire from [redacted] to title for funds to close. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225237004 | [Redacted] | [Redacted] | 36049372 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR fail due to insufficient cash from borrower requirement. | Reviewer Comment (2026-05-05): Cleared. Received addtional asset. Buyer Comment (2026-05-04): Please see attached HELOC Statement with [redacted] to show borrower had credit line of $[redacted]. Also see wire from [redacted] to title for funds to close. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225237004 | [Redacted] | [Redacted] | 36335559 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for Non-warrantable condo due to critical repairs. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-24): Client elects to waive with compensating factors. |
04/24/2026 | 2 | B | B | B | B | B | [Redacted] | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225237013 | [Redacted] | [Redacted] | 36058606 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing the borrower's most recent [redacted] rental pay history | Reviewer Comment (2026-04-07): Documentation Buyer Comment (2026-04-03): For this file, we follow the [redacted] findings and the [redacted] is not required. Please waive condition. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225237013 | [Redacted] | [Redacted] | 36059134 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File is missing evidence of the entire EMD of [redacted] The amounts verified are [redacted] File would require a copy of the cancelled check/wire and the source of those funds for the remaining EMD funds. | Reviewer Comment (2026-05-04): Received clarification/[redacted]/documentation from lender. Condition cleared. Buyer Comment (2026-04-30): Please reviewe for asset calculations. Here is what I have for calculations: Bank accounts: [redacted]IRA [redacted]@ [redacted] = [redacted] [redacted] Mutual [redacted] @ [redacted]= [redacted] [redacted] [redacted] [redacted] [redacted] [redacted](prior employer)[redacted]@ [redacted] = [redacted] TOTAL ASSETS IN ACCOUNTS: [redacted] Earnest Money verified: [redacted] Total funds: [redacted] |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225241237 | [Redacted] | [Redacted] | 36035933 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] | Reviewer Comment (2026-04-28): Received [redacted] valuation. Condition cleared. Buyer Comment (2026-04-28): [redacted] valuation upld Reviewer Comment (2026-04-14): Exception remains, Please provide[redacted] valuation. Buyer Comment (2026-04-10): please cancel, a re-cert to value dated [redacted] which is within the time frame for guides was provided ([redacted]) Buyer Comment (2026-04-06): please cancel, a [redacted] to value dated[redacted] which is within the time frame for guides was provided ([redacted]) Reviewer Comment (2026-03-31): Please provide [redacted] valuation. Buyer Comment (2026-03-27): [redacted] and [redacted] aprsls were provided in loan file on [redacted] |
04/28/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225241237 | [Redacted] | [Redacted] | 36057549 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-03-30): [redacted] initial rate lock received. Exception cleared. Buyer Comment (2026-03-27): locks upld |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225241239 | [Redacted] | [Redacted] | 36041700 | Compliance | Compliance | State Compliance | Compliance | [Redacted] Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement | [redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest Safe Harbor for anti-flipping provisions. | Reviewer Comment (2026-04-08): Received [redacted] benefit disclosure. |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225241239 | [Redacted] | [Redacted] | 36041701 | Compliance | Compliance | State Compliance | State Defect | [redacted] Borrower's Interest Tangible Net Benefit Test | [redacted] Home Loan: Unable to determine if mortgage loan was refinanced within [redacted] without providing a tangible net benefit to the borrower due to missing prior loan information. | Reviewer Comment (2026-04-08): Received [redacted] benefit disclosure. Buyer Comment (2026-04-06): Please see attached. |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225241239 | [Redacted] | [Redacted] | 36041702 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted] Compliant Higher Priced Loan. | Reviewer Comment (2026-04-08): client [redacted] to waive Buyer Comment (2026-04-06): APR less than .[redacted]. Please waive condition. |
04/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225241239 | [Redacted] | [Redacted] | 36041703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee not disclosed on LE but disclosed but on Closing disclosure as [redacted] without a valid change in file. | Reviewer Comment (2026-04-23): [redacted] received [redacted][redacted], [redacted] [redacted]of [redacted]. Buyer Comment (2026-04-22): Please see attached |
04/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225241554 | [Redacted] | [Redacted] | 36039536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The Non-Escrowed Property Costs over [redacted] on Final Closing Disclosure provided on [redacted] are not disclosed. Lender did not include HOA dues in Non-Escrowed Property Costs. | Reviewer Comment (2026-04-28): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-04-27): Please see attached. Reviewer Comment (2026-04-08): [redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. Buyer Comment (2026-04-07): Please see attached. |
04/28/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225241554 | [Redacted] | [Redacted] | 36039538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] but disclosed as [redacted] on Final Closing Disclosure. Insufficient cure was provided to the borrower. | Reviewer Comment (2026-05-11): [redacted] received valid COC document Buyer Comment (2026-05-07): Please see attached from the [redacted] showing the appraisal fee. Reviewer Comment (2026-04-28): [redacted] received rebuttal. However, we would require additional supporting document from appraisal management company i.e. Confirmation email or comment in order to clear the exception. Buyer Comment (2026-04-27): The COC states "Increased appraisal fee per[redacted] - Per AMC Surcharge $[redacted]" - The appraisal management team advised us that there was an increase of the appraisal fee on the same date that the inital disclosure. Therefore, this was disclosed in enough time and the proper disclosures were provided. Please clear condition. Reviewer Comment (2026-04-08): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-04-07): Please see attached[redacted] reason. This was disclosed to the borrower within enough time and there is a [redacted] reason. Please clear condition. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225241554 | [Redacted] | [Redacted] | 36058581 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Verification/Monitoring Fee (Pre-close). Fee Amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Safe Report Fee was not disclosed on the Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-08): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-04-07): This [redacted] was provided to the borrower on the final CD |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225241554 | [Redacted] | [Redacted] | 36435653 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Verification/Monitoring Fee (Pre-close). Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225245062 | [Redacted] | [Redacted] | 36043976 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Provided Letter of Explanation for business income is missing a document date. | Reviewer Comment (2026-04-07): Letter of Explanation received and associated. Exception cleared. Buyer Comment (2026-04-06): Please see attached screenprint showing we uploaded the [redacted] regarding business income on [redacted]. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225245062 | [Redacted] | [Redacted] | 36044000 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provided Letter of Explanation for business income is missing a document date. | Reviewer Comment (2026-04-07): Letter of Explanation received and associated. Exception cleared. Buyer Comment (2026-04-06): Please see attached screenprint showing we uploaded the LOE regarding business income on [redacted]. |
04/07/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225245062 | [Redacted] | [Redacted] | 36044001 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provided Letter of Explanation for business income is missing a document date. | Reviewer Comment (2026-04-07): Letter of Explanation received and associated. Exception cleared. Buyer Comment (2026-04-06): Please see attached screenprint showing we uploaded the[redacted] regarding business income on [redacted]. |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225245062 | [Redacted] | [Redacted] | 36066306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the addition of the fee was not provided. No cure at close. | Reviewer Comment (2026-05-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-08): Please see Copy of cure check, PCCD, Cover Letter and proof [redacted] delivered. Buyer Comment (2026-05-08): Please see Copy of cure [redacted], [redacted], [redacted] and[redacted]delivered. |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225245186 | [Redacted] | [Redacted] | 36064546 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The prepayment penalty document provided was not signed. | Reviewer Comment (2026-05-22): Received executed Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-05-21): ppp addendum upld |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | Yes | |||||||||||
| 225251018 | [Redacted] | [Redacted] | 36082691 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal indicated that the property is currently listed. Documentation to verify that the property was delisted prior to funding is missing. | Reviewer Comment (2026-05-29): Received Market Listing. Exception Cleared. Buyer Comment (2026-05-27): Off the market listing Reviewer Comment (2026-05-26): Received updated appraisal document with the status "Listing has been Expired on [redacted]". However, There is no proof to verify that the property was Delisted. Required Listing History document or LOX from the borrower to verify Property has been Delisted/Expired. Exception Remains. Buyer Comment (2026-05-22): Corrected appraisal |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225252633 | [Redacted] | [Redacted] | 36073536 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Initial Rate Lock was not found in file. | Reviewer Comment (2026-04-20): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-17): Please see attached Rate Lock |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225252633 | [Redacted] | [Redacted] | 36074634 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower at closing. No valid change of circumstance provided. | Reviewer Comment (2026-04-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): Please see attached copy of cure check, PCCD, Cover letter and proof [redacted] Delivered. (Check covers $[redacted] cure for appraisal fee and $[redacted] for cure on credit report for a total of $[redacted]) |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225252633 | [Redacted] | [Redacted] | 36074635 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower at closing. No valid change of circumstance provided. | Reviewer Comment (2026-04-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): Please see attached copy of cure check, PCCD, Cover letter and proof [redacted] Delivered. (Check covers $[redacted] cure for appraisal fee and $[redacted] for cure on credit report for a total of $[redacted]) |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225252636 | [Redacted] | [Redacted] | 36052606 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] | No secondary appraisal or hybrid interior appraisal required | Reviewer Comment (2026-04-21): Received CDA letter in file. Exception Cleared. Buyer Comment (2026-04-17): Please see attached CDA |
04/21/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225252636 | [Redacted] | [Redacted] | 36052610 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | - | Appraiser's license or certification was not active at the time of the appraisal. | Reviewer Comment (2026-04-21): Received Appraiser License with future date. Exception Cleared. Buyer Comment (2026-04-17): Please see appraisal where the appraiser updated his license information and copy of updated license is attached on the last page of the report. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225252636 | [Redacted] | [Redacted] | 36052618 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statements and insurance verification are not provided. | Reviewer Comment (2026-04-22): Reo documents received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-21): Please see updated HOI for [redacted] Property. (previously had the Lot number rather than actual street number-figures remain the same) Reviewer Comment (2026-04-13): Require Mortgage statement of amount $[redacted] of REO property "[redacted]" and Insurance verification document of REO property "[redacted]" as per rebuttal response DOC ID [redacted] is reflecting address "[redacted] OR [redacted] which is mismatch. Exception Remains. Buyer Comment (2026-04-09): See attached Rebuttal |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225252636 | [Redacted] | [Redacted] | 36074697 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | A cash flow analysis or CPA letter stating that the use of the funds for the transaction from business account will not have a material adverse impact on the business' operations is not located in the file. | Reviewer Comment (2026-04-21): Received Cashflow analysis. Exception Cleared. Buyer Comment (2026-04-17): Please explain why the Business Cash Flow Analysis is not acceptable for this condition. Per Deal Notes, this is an acceptable alternative to the CPA letter. This is what we have used many times in the past to confirm that the business would not be negatively impacted. Reviewer Comment (2026-04-13): Require CPA letter which confirms uses of business funds $[redacted] of designated account#[redacted] would not have negative financial impact on the business provided document will not suffices the exception. Exception remains. Buyer Comment (2026-04-09): See attached Cash Flow Analysis |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225257397 | [Redacted] | [Redacted] | 36053362 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-02): Received E-Sign Consent Agreement. Exception Cleared. Buyer Comment (2026-03-31): proof econsent accepted upld |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257397 | [Redacted] | [Redacted] | 36053411 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225257397 | [Redacted] | [Redacted] | 36053436 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The [redacted] mortgage statement is missing to verify the payment. | Reviewer Comment (2026-04-02): Received Heloc statement. Exception Cleared. Buyer Comment (2026-03-31): statement upld |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225257397 | [Redacted] | [Redacted] | 36074460 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing one month of bank statements for [redacted] | Reviewer Comment (2026-04-20): Received [redacted]month bank statement. Exception Cleared. Buyer Comment (2026-04-16): full [redacted]statement upld, december is on [redacted] Reviewer Comment (2026-04-08): Complete [redacted]-month consecutive bank statement is missing in file for [redacted]. Exception remains. Buyer Comment (2026-04-07): [redacted]document for [Redacted] upld, acct [redacted] is referenced on page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257397 | [Redacted] | [Redacted] | 36074475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing the required two months of bank statements for assets, causing the loan to [redacted]through the QM Testing. | Reviewer Comment (2026-04-20): Received [redacted]month bank statement. Exception Cleared. Buyer Comment (2026-04-16): full [redacted]statement upld to trl docs, december is on [redacted] Reviewer Comment (2026-04-08): Complete [redacted]-month consecutive bank statement is missing in file for [redacted]. Exception remains. Buyer Comment (2026-04-07): [redacted]document for [Redacted] upld to trl docs, acct[redacted] is referenced on page [redacted] |
04/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225257397 | [Redacted] | [Redacted] | 36074478 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing the required two months of bank statements for assets, causing the loan to [redacted] through the QM Testing. | Reviewer Comment (2026-04-20): Received [redacted]month bank statement. Exception Cleared. Buyer Comment (2026-04-16): full [redacted]statement upld to trl docs, december is on [redacted] Reviewer Comment (2026-04-08): Complete [redacted]-month consecutive bank statement is missing in file for [redacted]. Exception remains. Buyer Comment (2026-04-07): [redacted]document for [Redacted] upld to trl docs, acct[redacted] is referenced on page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225257397 | [Redacted] | [Redacted] | 36074891 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing the required two months of bank statements for assets, causing the loan to [redacted] through the QM Testing. | Reviewer Comment (2026-04-20): Received [redacted]month bank statement. Exception Cleared. Buyer Comment (2026-04-16): full [redacted]statement upld to trl docs, december is on [redacted] Reviewer Comment (2026-04-08): Complete [redacted]-month consecutive bank statement is missing in file for[redacted]. Exception remains. Buyer Comment (2026-04-07): [redacted]document for [Redacted] upld to trl docs, acct[redacted] is referenced on page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225257597 | [Redacted] | [Redacted] | 36052234 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided | Reviewer Comment (2026-04-13): Received E-consent Document, Exception Cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225257597 | [Redacted] | [Redacted] | 36052307 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] or [redacted] Non-Compliant Higher Priced Mortgage Loan. | Calculated Annual Percentage Rate is [redacted] and the Final Closing Disclosure Annual Percentage Rate is [redacted] The Annual Percentage Rate variance is [redacted] | Reviewer Comment (2026-04-13): Received proof/receipt which confirms copy of appraisal deliver to borrower from[redacted] business days prior to closing date. Exception Cleared. Buyer Comment (2026-04-10): The APR change is less than .[redacted]%. Please clear condition. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225257597 | [Redacted] | [Redacted] | 36052308 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-13): Received proof/receipt which confirms copy of appraisal deliver to borrower from[redacted]business days prior to closing date. Exception Cleared. Buyer Comment (2026-04-10): Please see attached |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225257597 | [Redacted] | [Redacted] | 36052310 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Seller's Closing Disclosure is less than Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257597 | [Redacted] | [Redacted] | 36080104 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID v[Redacted]tions. | Reviewer Comment (2026-04-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-28): Please see attached. |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257597 | [Redacted] | [Redacted] | 36080105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID v[Redacted]tions. | Reviewer Comment (2026-04-13): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-10): This cure was already provided. Please see attached. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257795 | [Redacted] | [Redacted] | 36055042 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing. | Reviewer Comment (2026-04-13): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225257795 | [Redacted] | [Redacted] | 36055055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] | Reviewer Comment (2026-05-13): Due to cure time of[redacted]days remaining, curing the v[Redacted]tion and adding Extended Rescission exception to be cured separately. Reviewer Comment (2026-05-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-05-12): Please see attached. |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257795 | [Redacted] | [Redacted] | 36055056 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] | Reviewer Comment (2026-05-13): Due to cure time of [redacted]days remaining, curing the v[Redacted]tion and adding Extended Rescission exception to be cured separately. Reviewer Comment (2026-05-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-05-12): Please see attached. |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257795 | [Redacted] | [Redacted] | 36466196 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights [redacted] from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | Due to cure time of [redacted] remaining, curing the v[Redacted]tion and adding Extended Rescission exception added. Provide proof of reopening of rescission to all consumers to finalize finance charge v[Redacted]tion. | Reviewer Comment (2026-06-05): [redacted] Form is used as not a same lender transaction. Buyer Comment (2026-06-03): per title, the mortgage that's being paid off is from [redacted] so the form we used is correct. Reviewer Comment (2026-06-03): Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted]form should have been used. Buyer Comment (2026-06-01): Please review, I belive the correct form was used for the RTC. Please clear condition. |
06/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225257795 | [Redacted] | [Redacted] | 36648595 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment (2026-06-05): [redacted]Form is used as not a same lender transaction. Buyer Comment (2026-06-03): [redacted]. Please clear. |
06/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057222 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-23): Received final title policy, Exception cleared. |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057228 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of [redacted] is less than the note amount of [redacted] | Reviewer Comment (2026-04-23): Received final title policy, Exception cleared. Buyer Comment (2026-04-22): Please see attached. |
04/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057237 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification the use of business funds will not have negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-05-19): Document provided Buyer Comment (2026-05-15): Please see attached. Reviewer Comment (2026-04-23): Please provide cash flow analysis or [redacted] letter Verification the use of business funds will not have negative impact on the business, Exception remains. Buyer Comment (2026-04-22): Cash Flow Analysis is not required. See Attached |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057238 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing in file. | Reviewer Comment (2026-04-10): Initial [redacted] Rate Lock document received and verified. Exception cleared. Buyer Comment (2026-04-08): Please see attached. |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057239 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verification the use of business funds will not have negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-05-19): Document provided Buyer Comment (2026-05-15): [redacted]condition. Please clear. Reviewer Comment (2026-05-07): Received Lender exception approval provided for use of business assets for reserves with less than [redacted]% ownersip of business. The lender exception approval notes a requirement for a joint access letter from the other owner/owners however the letter is not in the file. Reviewer Comment (2026-04-23): Please provide cash flow analysis or [redacted]letter Verification the use of business funds will not have negative impact on the business, Exception remains. Buyer Comment (2026-04-22): [redacted] condition. Please clear. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057260 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing verification the use of business funds will not have a negative impact on the business. | Reviewer Comment (2026-05-19): Document provided Buyer Comment (2026-05-15): [redacted]condition. Please clear. Reviewer Comment (2026-04-23): Please provide cash flow analysis or [redacted] letter Verification the use of business funds will not have negative impact on the business, Exception remains. Buyer Comment (2026-04-22): [redacted] condition. Please clear. |
05/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225257796 | [Redacted] | [Redacted] | 36057261 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing verification the use of business funds will not have a negative impact on the business. | Reviewer Comment (2026-05-19): Document provided Buyer Comment (2026-05-15): [redacted] condition. Please clear. Reviewer Comment (2026-04-23): Please provide cash flow analysis or [redacted] letter Verification the use of business funds will not have negative impact on the business, Exception remains. Buyer Comment (2026-04-22): [redacted] condition. Please clear. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225257796 | [Redacted] | [Redacted] | 36057266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing verification the use of business funds will not have a negative impact on the business. | Reviewer Comment (2026-05-19): Document provided Buyer Comment (2026-05-15): [redacted] condition. Please clear. Reviewer Comment (2026-04-23): Please provide cash flow analysis or[redacted] letter Verification the use of business funds will not have negative impact on the business, Exception remains. Buyer Comment (2026-04-22): [redacted] condition. Please clear. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225257852 | [Redacted] | [Redacted] | 36055432 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide [redacted] pay history for primary residence. | Reviewer Comment (2026-04-20): Received pay history. Cleared. Buyer Comment (2026-04-16): pay hist upld |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225257852 | [Redacted] | [Redacted] | 36055438 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Provide complete Fraud Report. | Reviewer Comment (2026-04-02): Received complete fraud report. Exception cleared. Buyer Comment (2026-04-01): fraud report upld |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225258208 | [Redacted] | [Redacted] | 36064941 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225258208 | [Redacted] | [Redacted] | 36083327 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock Agreement not provided | Reviewer Comment (2026-04-09): Initial rate lock document received & updated. Exception cleared. Buyer Comment (2026-04-08): Please see attached. |
04/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225258208 | [Redacted] | [Redacted] | 36083831 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted] housing history is not located in the file. | Reviewer Comment (2026-05-01): At the underwriter's discretion, a VOR was not required due to LTV under[redacted]%. Per guidelines, In the underwriter's discretion, verification of rent payment history may be required. Reviewer Comment (2026-04-09): Due diligence guidelines do not indicate [redacted] is not required based on the LTV. A lender exception approval to waive the exception is not located in the file. Buyer Comment (2026-04-08): Please waive condition. Per guidelines, LTV is under [redacted]% so [redacted] is not needed. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225259300 | [Redacted] | [Redacted] | 36066257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] | Reviewer Comment (2026-04-10): [redacted] received valid change circumstance. Buyer Comment (2026-04-08): Please see attached Change of Circumstances that shows there was a change in the loan program. I also included a copy of the rate lock form as I didn't see it in [redacted] on page[redacted] of the rate lock form you can see the loan initially locked on [redacted] then a profile change on [redacted]. The COC is dated [redacted] and is in line with the rate lock information. Buyer Comment (2026-04-08): Please see attached Change of Circumstances that shows there was a change in the loan program. I also included a copy of the rate lock form as I didn't see it in [redacted] on page[redacted] of the rate lock form you can see the loan initially locked on [redacted] then a profile change on[redacted]. The COC is dated [redacted] and is in line with the rate lock information. |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225259300 | [Redacted] | [Redacted] | 36066258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] | Reviewer Comment (2026-05-18): [redacted] received [redacted]Affidavit for incorrect signed date on Security Instrument. Buyer Comment (2026-05-15): Please see attached [redacted]Affidavit correcting the signature date to[redacted] Reviewer Comment (2026-04-29): [redacted] acknowledged that the below comment that the borrower incorrectly signed on [redacted] instead of [redacted]. Deed of Trust provided in the loan file acknowledge by borrower on [redacted] and the year has been stricken out and changed to [redacted] with initialed by borrower, appeared before the closing date, thus the consummation date considered of [redacted]. Typically, these types of issues are addressed with a [redacted]Affidavit identifying the incorrect information that was completed by the notary and the correct information attested to. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county. With the Scrivener's Affidavit completed by the Notary, we can alter the date for the compliance testing. Buyer Comment (2026-04-27): The final consummation was [redacted] however the Note and Security Instrument were signed [redacted]. It appears that title caught the incorrect year of [redacted]and corrected that as [redacted] however, did not correct the day to the [redacted]. As you can see from the Title Instruction, Final CD, Allonge, Note etc are all dated [redacted]. The borrower made an obvious error on dating her signature on some of the documents including the Note and Security Instrument. Although some are correctly dated [redacted], you will notice borrower struggled with the date through a lot of the documents. Please clear the TRID v[Redacted]tion, as they were cured on the [redacted] CD, and set new conditions for updated signature/dates on Note and Security Instrument. Reviewer Comment (2026-04-20): [redacted] received rebuttal comment but as per file the security instrument was signed on [redacted] hence the notary date and closing date is considered as per security instrument. See Doc ID [redacted] page #[redacted] Buyer Comment (2026-04-17): Final consummation is[redacted] not[redacted]. CD shows closing date [redacted], Signed [redacted]Note and Security instrument are dated [redacted] . The [redacted] CD IS the final consummation date. Reviewer Comment (2026-04-10): [redacted]: A lender cure of $[redacted] provided on post CD dated [redacted]. Hence, [redacted]also required final settlement statement to verify the lender credit applied to the same at closing due to the [redacted] CD was issued after the consummation dated [redacted]. Buyer Comment (2026-04-08): Please see the final CD showing a Lender credit for[redacted] which includes a cure for this item (total Lender credit was over paid by $[redacted]) |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225259300 | [Redacted] | [Redacted] | 36066259 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] | Reviewer Comment (2026-05-18): [redacted] received [redacted]Affidavit for incorrect signed date on Security Instrument. Buyer Comment (2026-05-15): Please see attached [redacted]Affidavit correcting the signature date to[redacted] Reviewer Comment (2026-04-29): [redacted] acknowledged that the below comment that the borrower incorrectly signed on [redacted] instead of [redacted]. Deed of Trust provided in the loan file acknowledge by borrower on [redacted] and the year has been stricken out and changed to[redacted] with initialed by borrower, appeared before the closing date, thus the consummation date considered of [redacted]. Typically, these types of issues are addressed with a [redacted]Affidavit identifying the incorrect information that was completed by the notary and the correct information attested to. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county. With the [redacted]Affidavit completed by the Notary, we can alter the date for the compliance testing. Buyer Comment (2026-04-27): The final consummation was [redacted] however the Note and Security Instrument were signed [redacted]. It appears that title caught the incorrect year of [redacted] and corrected that as [redacted] however, did not correct the day to the [redacted]th. As you can see from the Title Instruction, Final CD, Allonge, Note etc are all dated [redacted]. The borrower made an obvious error on dating her signature on some of the documents including the Note and Security Instrument. Although some are correctly dated[redacted], you will notice borrower struggled with the date through a lot of the documents. Please clear the TRID v[Redacted]tion, as they were cured on the [redacted] CD, and set new conditions for updated signature/dates on Note and Security Instrument. Reviewer Comment (2026-04-20): [redacted] received rebuttal comment but as per file the security instrument was signed on [redacted]hence the notary date and closing date is considered as per security instrument. See Doc ID [redacted] page #[redacted] Buyer Comment (2026-04-17): Final consummation is[redacted] not[redacted]. CD shows closing date [redacted], Signed [redacted] Note and Security instrument are dated[redacted] . The [redacted] CD IS the final consummation date. Reviewer Comment (2026-04-10): [redacted]: A lender cure of $[redacted] provided on post CD dated [redacted]. Hence, [redacted] also required final settlement statement to verify the lender credit applied to the same at closing due to the [redacted] CD was issued after the consummation dated [redacted]. Buyer Comment (2026-04-08): Please see the final CD showing a Lender credit for [redacted] which includes a cure for this item (total Lender credit was over paid by $[redacted]) |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225259300 | [Redacted] | [Redacted] | 36266177 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-04-10): Sufficient Cure Provided within[redacted] Days of Closing |
04/10/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225259300 | [Redacted] | [Redacted] | 36266178 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-04-10): Sufficient Cure Provided within[redacted] Days of Closing |
04/10/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225259300 | [Redacted] | [Redacted] | 36522011 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At Closing |
05/18/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225259300 | [Redacted] | [Redacted] | 36522012 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At Closing |
05/18/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225259923 | [Redacted] | [Redacted] | 36068643 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Initial Rate Lock is missing. | Reviewer Comment (2026-04-15): [redacted] Initial Rate Lock received & associated. Exception cleared. Buyer Comment (2026-04-13): Please see the attached rate lock form |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225259923 | [Redacted] | [Redacted] | 36068669 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to tax returns are not dated by the borrowers. | Reviewer Comment (2026-04-15): Tax return signature date updated. Exception cleared. Buyer Comment (2026-04-13): Tax returns are dated for the year in which they were completed for. Per [redacetd] guidelines: Each tax return must be signed by the borrower unless the lender has obtained one of the following signature alternatives: documentation confirming that the tax returns were filed electronically, a completed IRS Form [redacted] (signed by the borrower) for the year in question, or IRS transcripts that validate the tax return. The guidelines do not state that they must be dated, in addition, Completed [redacted] (signed by the borrowers) have been provided. |
04/15/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225259923 | [Redacted] | [Redacted] | 36068670 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | [redacted] due to tax returns are not dated by the borrowers. | Reviewer Comment (2026-04-15): Tax return signature date updated. Exception cleared. Buyer Comment (2026-04-13): Tax returns are dated for the year in which they were completed for. Per [redacetd]guidelines: Each tax return must be signed by the borrower unless the lender has obtained one of the following signature alternatives: documentation confirming that the tax returns were filed electronically, a completed IRS Form [redacted] (signed by the borrower) for the year in question, or IRS transcripts that validate the tax return. The guidelines do not state that they must be dated, in addition, Completed [redacted] (signed by the borrowers) have been provided. |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225259923 | [Redacted] | [Redacted] | 36068671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | [redacted] due to tax returns are not dated by the borrowers. | Reviewer Comment (2026-04-15): Tax return signature date updated. Exception cleared. Buyer Comment (2026-04-13): Tax returns are dated for the year in which they were completed for. Per [redacetd]guidelines: Each tax return must be signed by the borrower unless the lender has obtained one of the following signature alternatives: documentation confirming that the tax returns were filed electronically, a completed IRS Form 4506-C (signed by the borrower) for the year in question, or IRS transcripts that validate the tax return. The guidelines do not state that they must be dated, in addition, Completed 4506-C (signed by the borrowers) have been provided. |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225259923 | [Redacted] | [Redacted] | 36068674 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] account statements are missing in file for [redacted] | Reviewer Comment (2026-04-15): Tax return signature date updated. Exception cleared. |
04/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225259923 | [Redacted] | [Redacted] | 36068675 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points on closing disclosure is [redacted] and on loan estimate [redacted] No Valid Change circumstance in file. | Reviewer Comment (2026-04-23): [redacted] received valid COC document Buyer Comment (2026-04-22): Please see attached COC. The borrower requested a lower rate which resulted in higher points. If you look at page [redacted] of the rate lock form you will see a profile change on [redacted], this is when the request for the lower rate was requested. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225259923 | [Redacted] | [Redacted] | 36068676 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | Credit Report Fee on closing disclosure is [redacted]and on loan estimate [redacted] No Valid Change circumstance in file. | Reviewer Comment (2026-05-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-13): Please see attached copy of cure check, PCCD, Cover Letter and proof [redacted] delivered Buyer Comment (2026-05-13): Please see attached copy of cure check, PCCD, Cover Letter and proof [redacted]delivered |
05/14/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225259934 | [Redacted] | [Redacted] | 36082901 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is missing in file for REO property as [redacted] | Reviewer Comment (2026-03-20): Hazard Insurance received. Details verified and updated. Exception cleared. Seller Comment (2026-03-19): HOI [redacted] |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225259934 | [Redacted] | [Redacted] | 36215195 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | File is missing the signed/dated PUD Rider for the subject property. | Reviewer Comment (2026-04-20): PUD rider provided and associated. Exception cleared Seller Comment (2026-04-17): PUD Rider - signed |
04/20/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225259934 | [Redacted] | [Redacted] | 36215203 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | File is missing the signed/dated [redacted] family rider for the subject property | Reviewer Comment (2026-04-20): [redacted] Family Rider provided and associated. Exception cleared Seller Comment (2026-04-17): [redacted] family rider - signed |
04/20/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225259934 | [Redacted] | [Redacted] | 36215224 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | File is missing the signed/dated prepayment rider for the subject property. | Reviewer Comment (2026-04-20): Prepayment Rider provided and associated. Exception cleared Seller Comment (2026-04-17): Prepayment Rider - signed |
04/20/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | Yes | ||||||||||||||||
| 225259934 | [Redacted] | [Redacted] | 36215246 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the first payment letter for the subject property. | Reviewer Comment (2026-04-22): Received first payment letter, Exception cleared. Seller Comment (2026-04-21): Please note that on page [redacted] of the payment letter, under the payment coupon, it references the property address. The address listed on page [redacted] was their current address Reviewer Comment (2026-04-20): Provided first payment letter is not subject property. Exception remains Seller Comment (2026-04-17): First payment letter |
04/22/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225260130 | [Redacted] | [Redacted] | 36065960 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Financed charge understated by [redacted] The disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. | Reviewer Comment (2026-06-08): [redacted]. received lender certification that [redacted]was primarily for appraisal review & determination, [redacted]. excluded Buyer Comment (2026-06-05): attestation Reviewer Comment (2026-06-02): [redacted] received an attestation that [redacted]of $[redacted] is included in the [redacted]fee. However, unable to address with attestation. [redacted]fee was $[redacted]. Finance Charge is underdisclosed by $[redacted]. The [redacted]portion could be either - finance charge or non-finance charge. It would depend on what the [redacted]fee purpose/service is. Is the [redacted]fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the [redacted] fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [redacted]fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. Lender Attestation to clarify primary purpose of [redacted] fee. Cure period has expired on this loan. Buyer Comment (2026-06-01): Please see attached. Reviewer Comment (2026-04-14): Update: The finance charge is over disclosed by $[redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225260130 | [Redacted] | [Redacted] | 36065961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Financed charge understated by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold as compared to the disclosed Finance Charge in the amount of [redacted] | Reviewer Comment (2026-06-08): [redacted]. received lender certification that [redacted]was primarily for appraisal review & determination,[redacted]. excluded Buyer Comment (2026-06-05): please see attestation provided today. Reviewer Comment (2026-06-02): [redacted] received an attestation that [redacted]of $[redacted] is included in the [redacted]fee. However, unable to address with attestation. [redacted] fee was $[redacted]. Finance Charge is underdisclosed by $[redacted]. The [redacted]portion could be either - finance charge or non-finance charge. It would depend on what the [redacted]fee purpose/service is. Is the [redacted]fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the [redacted] fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [redacted]fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. Lender Attestation to clarify primary purpose of [redacted]fee. Cure period has expired on this loan. Buyer Comment (2026-06-01): [redacted] Please clear. Reviewer Comment (2026-04-14): Update: The finance charge is under disclosed by $[redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225263251 | [Redacted] | [Redacted] | 36074943 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title policy is missing. | Reviewer Comment (2026-04-28): Final title policy received covering policy value. |
04/28/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225263251 | [Redacted] | [Redacted] | 36074965 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount is not available. | Reviewer Comment (2026-04-28): Final title policy received covering policy value. Buyer Comment (2026-04-24): [redacted]. [redacted] Uploaded full final title policy as requested. Reviewer Comment (2026-04-23): Please provide full document for final title only[redacted].pages received, Exception remains. Buyer Comment (2026-04-22): Please see updated title showing the loan amount of $[redacted]. |
04/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225263251 | [Redacted] | [Redacted] | 36074975 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-14): Received required documentation. Condition cleared. Buyer Comment (2026-04-13): Please see attached eConsent |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225263251 | [Redacted] | [Redacted] | 36075052 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation Mismatch due to DTI variance in DTI however DTI is calculated as per borrower's income & expenses. | Reviewer Comment (2026-04-23): Property expenses $[redacted]. consider twice, now we received updated [redacted]. and [redacted]. application, Exception cleared. Buyer Comment (2026-04-22): The difference is $[redacted]. which is the T & I payment on the property at [redacted].. This payment was being duplicated on the [redacted]. and carrying over to the [redacted].. Please see updated [redacted]. removing the duplicate housing payment. Buyer Comment (2026-04-22): The difference is $[redacted]. which is the T & I payment on the property at [redacted].. This payment was being duplicated on the C/B [redacted]. and carrying over to the [redacted].. Please see updated [redacted]. removing the duplicate housing payment. Reviewer Comment (2026-04-14): The variance remains. Lenders DTI is [redacted].%, Bid tape[redacted].%, however DD DTI is at [redacted].%. The discrepancy is due to the Other debt used by lender which is $[redacted]., however per the credit report and final [redacted]., the other debt is at [redacted].. Unable to determine where lender is obtaining the additional debt. Buyer Comment (2026-04-13): Bid Tape is not accurate. Please see our final [redacted]. found in [redacetd]which matches Investor Qualifying debt ratio calculations. (the [redacted]. in [redacted] not accurate) |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225263251 | [Redacted] | [Redacted] | 36075053 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR impacted due to DTI variance in DTI however DTI is calculated as per borrower's income & expenses. | Reviewer Comment (2026-04-23): Property expenses $[redacted]. consider twice, now we received updated [redacted]. and [redacted]. application, Exception cleared. Buyer Comment (2026-04-22): The difference is $[redacted]. which is the T & I payment on the property at [redacted].. This payment was being duplicated on the C/B [redacted]. and carrying over to the [redacted].. Please see updated [redacted]. removing the duplicate housing payment. Reviewer Comment (2026-04-14): The variance remains. Lenders DTI is [redacted].%, Bid tape [redacted].%, however DD DTI is at [redacted].%. The discrepancy is due to the Other debt used by lender which is $[redacted]., however per the credit report and final [redacted]., the other debt is at [redacted].. Unable to determine where lender is obtaining the additional debt. Buyer Comment (2026-04-13): Bid Tape is not accurate. Please see our final[redacted]. found in [redacetd]which matches Investor Qualifying debt ratio calculations. (the [redacted]. in [redacted] not accurate) |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225263251 | [Redacted] | [Redacted] | 36084269 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Reviewer Comment (2026-04-23): Property expenses $[redacted]. consider twice, now we received updated [redacted]. and [redacted]. application, Exception cleared. Buyer Comment (2026-04-22): The difference is $[redacted]. which is the T & I payment on the property at [redacted].. This payment was being duplicated on the C/B [redacted]. and carrying over to the [redacted].. Please see updated [redacted]. removing the duplicate housing payment. Reviewer Comment (2026-04-14): The variance remains. Lenders DTI is [redacted].%, Bid tape [redacted].%, however DD DTI is at [redacted].%. The discrepancy is due to the Other debt used by lender which is $[redacted]., however per the credit report and final[redacted]., the other debt is at [redacted].. Unable to determine where lender is obtaining the additional debt. Buyer Comment (2026-04-13): Bid Tape is not accurate. Please see our final [redacted]. found in [redacetd]which matches Investor Qualifying debt ratio calculations. (the[redacted]. in [redacted] not accurate) |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225265103 | [Redacted] | [Redacted] | 36082729 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is using [redacted] bank statements for income. Bank statements are in the name of[redacted] Per the CPA letter, the business is not owned by the borrower but by the co-borrower. Additional documentation or clarification from the CPA will be required verifying borrower's ownership in the business. | Reviewer Comment (2026-05-05): Revised CPA letter received confirming [redacted]% ownership interest for each borrower. Exception Cleared. Buyer Comment (2026-05-04): updated cpa letter upld Reviewer Comment (2026-04-16): DD is unable to clear. The CPA letter specifically states that the primary borrower is the sole owner of the business. The income was calculated on for the co-borrower. The application indicates both borrower's have ownership in this business. Clarification is required of ownership of the business to ensure correct income calculation. Buyer Comment (2026-04-14): please clarify or cancel, the bank statements are in the name of the business, the cpa letter confirms the borrower [redacted].(aka [redacted]. is the owner |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225265103 | [Redacted] | [Redacted] | 36083048 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] prior to [redacted] from transaction date of [redacted] | Subject loan transaction disbursed on [redacted] however Notary date on mortgage [redacted] | Reviewer Comment (2026-04-06): Post Close Closing Disclosure received and updated. Exception cleared Buyer Comment (2026-04-02): pccd docs upld, loan disbursed [redacted]. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225265103 | [Redacted] | [Redacted] | 36234778 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Notary Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure or change of Circumstance provided in loan file. | Reviewer Comment (2026-05-12): [redacted]. received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): pccd docs upld Reviewer Comment (2026-04-16): [redacted]. received email confirmation for additional information. However, the Notary fee of $[redacted]. added at post-closing on PCCD dated [redacted].. Fee cannot be re-baselined for increase/added of fee post-closing by a COC. Cure would be due to borrower. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-15): title email upld, confirmed fee was charged by title to re-recording deed correcting trust name, fee was not charged by lender. |
05/12/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225266730 | [Redacted] | [Redacted] | 36084226 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-14): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-13): Please see attached econsent |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225266730 | [Redacted] | [Redacted] | 36084300 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | [redacted] rate lock document is missing from file and required by Client. | Reviewer Comment (2026-04-14): Received rate lock document. Exception cleared. Buyer Comment (2026-04-13): Please see attached rate lock document |
04/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225266730 | [Redacted] | [Redacted] | 36084303 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to addition of recording fee. No valid COC provided and no evidence of a cure provided at closing. | Reviewer Comment (2026-04-30): [redacted]. Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): Please see attached copy of cure check, PCCD, Cover letter and proof [redacted]. Delivered. |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225266973 | [Redacted] | [Redacted] | 36079362 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide tax verification for the property [redacted] | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. Buyer Comment (2026-04-29): Please review the tax document uploaded again. The address in bold at the top matching the property address. The insurance monthly is $[redacted].. The tax report and amount is the same that you have as $[redacted].. Please review and clear condition. Reviewer Comment (2026-04-15): Property report has address mismatch, this property has [redacted]. & [redacted]. A seems [redacted]. unit also final [redacted]. shows total other payment of $[redacted]. of which $[redacted]. is of HOI and $[redacted]. is of tax, provided report shows tax of $[redacted].. Require bifurcation of all the fees. Provide HOA if any. Buyer Comment (2026-04-14): Please see attached. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225274658 | [Redacted] | [Redacted] | 36083255 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage Shortfall is [redacted] | Reviewer Comment (2026-04-16): Cleaered. Received rce Buyer Comment (2026-04-14): The minimum insurance requirements do not state that Debris removal has to be included: The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by a one- to four-unit property is at least equal to the lesser of: • [redacted].% of the replacement cost value of the improvements as of the current property insurance policy effective date, or • the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. [redacted].% replacement cost is $[redacted]. |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225274658 | [Redacted] | [Redacted] | 36083263 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-17): Sufficient Cure Provided At Closing |
03/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225274658 | [Redacted] | [Redacted] | 36091493 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note indicates [redacted] while appraisal indicates [redacted] | Reviewer Comment (2026-05-14): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-05-14): We spoke with the county on this one and they confirmed "In[redacted][redacted]. and they said it's the same thing however in their county they do call it Street but as it continues into the next county it's Road, but they do acknowledge and accept both identifications of the street name." Title has also confirmed " legal description has RD but current recorded documents (prior to our transaction) show Street and per Title, Street -vs- Road doesn't invalidate the validity of the mortgage or the loan policy." (Email already provided) This is a common issue with this specific road, we did request that the appraiser update the appraisal, however they will not change the address. Reviewer Comment (2026-05-08): Need updated documents with correct address, If "[redacted]." is the correct address need corrected , Note, SI, Haz ins., ETC all documents must have the correct address. Buyer Comment (2026-05-06): Please see attached updated appraisal with revision request on page [redacted].stating that his records indicate Street and title Correspondence confirming that the legal description indicates Rd but Street -vs- Road doesn't invalidate the validity of the mortgage or the loan policy. Buyer Comment (2026-05-06): Please see attached updated appraisal with revision request on page [redacted]. stating that his records indicate Street and title Correspondence confirming that the legal description indicates Rd but Street -vs- Road doesn't invalidate the validity of the mortgage or the loan policy. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225278408 | [Redacted] | [Redacted] | 36082835 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance city of [redacted] City does not match Note city of [redacted] | Reviewer Comment (2026-05-12): Hazard Insurance showing [redacted], cleared Buyer Comment (2026-05-11): Please see attached updated HOI showing the city corrected. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225278408 | [Redacted] | [Redacted] | 36082861 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Worksheet is missing in file. | Reviewer Comment (2026-04-15): Received DSCR Worksheet. Exception cleared. Buyer Comment (2026-04-13): Please see attached DSCR Worksheet |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225278408 | [Redacted] | [Redacted] | 36082875 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved for [redacted] no separate bedroom. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): Preapproved lender exception |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| 225278865 | [Redacted] | [Redacted] | 36085303 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-04-03): Final Statement provided |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225278865 | [Redacted] | [Redacted] | 36085497 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The Closing Statement for the sale of [redacted] is dated [redacted] which is after loan closing date. | Reviewer Comment (2026-04-22): Estimated closing date is [redacted]. which is prior to note date, Exception cleared. Buyer Comment (2026-04-21): Estimate Reviewer Comment (2026-04-15): Provide estimated closing statement for property [redacted]. which was sent prior to the note date. Exception remains. Buyer Comment (2026-04-13): The files disbursed on the same day [redacted]., see Per diem PCCD . [redacted] File |
04/22/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225278865 | [Redacted] | [Redacted] | 36092780 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-03): [redacted]. rate lock received. Buyer Comment (2026-04-01): locks |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225278865 | [Redacted] | [Redacted] | 36092927 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | The Closing Statement for the sale of [redacted] is dated [redacted] which is after loan closing date. | Reviewer Comment (2026-04-03): Final CD provided Buyer Comment (2026-04-01): File disbursed on [redacted]. , this a [redacted]File. Both files closed the same day |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225286397 | [Redacted] | [Redacted] | 36087535 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-05-18): [redacted]. received corrected PCCD, LOE and email confirmation for borrower elected fee. Buyer Comment (2026-05-15): Please see attached email from title. This provides info that this is a borrower elected fee. Please clear condition. Reviewer Comment (2026-04-24): [redacted]. received corrected PCCD and LOE moving the survey fee from section C to H but fee cannot be moved to section H unless it is confirmed that fee is not required by lender and is borrower shopped. Please provide attestation confirming the same to re-baseline the fee. Buyer Comment (2026-04-23): Please see attached. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225286397 | [Redacted] | [Redacted] | 36106214 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock document required by the Client. | Reviewer Comment (2026-04-20): [redacted]. Initial rate lock received. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225287812 | [Redacted] | [Redacted] | 36089391 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | [redacted] Rate lock document is not provided. | Reviewer Comment (2026-04-20): [redacted]. Initial rate lock received. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090371 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090389 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090396 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090410 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090412 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090417 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and details verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36090424 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is not provided for [redacted] | Reviewer Comment (2026-04-20): Insurance verification received and verified. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225287812 | [Redacted] | [Redacted] | 36105108 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a Certificate of Good Standing dated within [redacted] of the note date for the LLC taking title as required by guidelines. | Reviewer Comment (2026-04-20): Certificate of Good standing, Business entity received within[redacted]. days of Note date. Exception cleared. Buyer Comment (2026-04-16): Please see attached. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225288478 | [Redacted] | [Redacted] | 36106397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee was increased with no valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-04): [redacted]. Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): pccd docs upld |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225288478 | [Redacted] | [Redacted] | 36106446 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the [redacted] Rate Lock document required by the Client. | Reviewer Comment (2026-04-07): Rate lock document provided and associated. Exception cleared Buyer Comment (2026-04-06): locks upld |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225288766 | [Redacted] | [Redacted] | 36094113 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Calculated debt to income ratio of [redacted] exceeds the tape data value of [redacted] | Reviewer Comment (2026-04-20): Received updated documentation from lender. Condition cleared. Reviewer Comment (2026-04-20): Received an updated 1008 from lender showing a DTI of [redacted].% Reviewer Comment (2026-04-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]. PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted].%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted].%. Buyer Comment (2026-04-16): please clear, the bid tape should have been corrected Reviewer Comment (2026-03-26): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted]. would need to provide an updated Bid tape for the DTI. Buyer Comment (2026-03-25): revised [redacted]. upld |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225291393 | [Redacted] | [Redacted] | 36100123 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-03-19): Orders meet lender guides. Condition cleared. |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | N/A | No | ||||||||||||||
| 225291460 | [Redacted] | [Redacted] | 36100147 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Asset statements provided must cover at least [redacted] on purchases. | Reviewer Comment (2026-05-21): New account, funds added are sourced. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225291460 | [Redacted] | [Redacted] | 36100154 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of [redacted] is less than Cash From Borrower [redacted] Due to [redacted] asset statements not covering at least [redacted] on a purchase transaction. | Reviewer Comment (2026-05-21): New account, funds added are sourced. Buyer Comment (2026-05-19): [redacted].condition. Please clear |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225291460 | [Redacted] | [Redacted] | 36100202 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Due to [redacted] asset not being sufficiently documented. | Reviewer Comment (2026-05-21): New account, funds added are sourced. Buyer Comment (2026-05-19): [redacted]. condition. Please clear |
05/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225291460 | [Redacted] | [Redacted] | 36100203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing the asset guideline components, the loan is at ATR risk. Remove/Clear Exceptions |
Reviewer Comment (2026-05-21): New account, funds added are sourced. Buyer Comment (2026-05-19): [redacted]. condition. Please clear |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225291497 | [Redacted] | [Redacted] | 36094659 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of [redacted] is less than the note amount of [redacted] | Reviewer Comment (2026-05-14): Received Title Supplement. Exception Cleared. Buyer Comment (2026-05-12): Supplemental Reviewer Comment (2026-04-10): Title policy present in file reflecting amount $[redacted]. is less than the note amount of $[redacted].. Provided endorsement showing different file number than original title commitment. Exception remains. Buyer Comment (2026-04-09): Please review document [redacted] File number is[redacted]. please clear condition Reviewer Comment (2026-04-08): The original title commitment file number is [redacted].. Provided endorsement is showing file number [redacted]., exception remains. Buyer Comment (2026-04-07): Title |
05/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225291497 | [Redacted] | [Redacted] | 36094664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Final Lender Credit was last disclosed as [redacted] on LE dated [redacted] but disclosed as [redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-04-07): [redacted]. received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-04-06): Rebuttal |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225291497 | [Redacted] | [Redacted] | 36094665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording fee was last disclosed as [redacted] on LE dated [redacted] but disclosed as [redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-04-07): [redacted].: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-06): Rebuttal |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225291497 | [Redacted] | [Redacted] | 36247140 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |
04/07/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225291627 | [Redacted] | [Redacted] | 36095622 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement to verify PITIA. If taxes and insurance are not escrowed, verification of taxes and insurance, also HOA is required. | Reviewer Comment (2026-05-21): Received new mortgage Note, appraisal, insurance and tax cert, exception cleared. Buyer Comment (2026-05-19): We actually closed this one with [redacted]. Loan number for this is[redacted]. Here is everything you asked for. HOA dues are shown on the appraisal. Thanks. Buyer Comment (2026-05-19): We actually closed this one with [redacted]. Loan number for this is 1[redacted]. Here is everything you asked for. HOA dues are shown on the appraisal. Thanks. Buyer Comment (2026-05-19): We actually closed this one with [redacted]. Loan number for this is [redacted]. Here is everything you asked for. HOA dues are shown on the appraisal. Thanks. Reviewer Comment (2026-04-23): Fraud report reflect the property address "[redacted]" pertains to borrower " [redacted]" dated [redacted]. Require Mortgage statement verifying PITIA If taxes and insurance are not escrowed, verification of taxes and insurance, also HOA is required. Exception remains Buyer Comment (2026-04-22): Could you please review the [redacted]. I do not show that [redacted] is owned by our client. Please advise. Reviewer Comment (2026-04-22): Required Mortgage statement, Tax and Insurance & HOA document for the REO Property address"[redacted].". Provided one [redacted].". Exception remains. - - Buyer Comment (2026-04-20): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225291627 | [Redacted] | [Redacted] | 36095695 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject Address does not match Note address. | Reviewer Comment (2026-04-22): Updated Flood certificate document received and verified. Exception cleared. Buyer Comment (2026-04-20): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225291627 | [Redacted] | [Redacted] | 36095699 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal and CDA city name different than note. | Reviewer Comment (2026-04-22): Received corrected appraisal and CDA. Condition cleared. Buyer Comment (2026-04-22): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225291627 | [Redacted] | [Redacted] | 36095709 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of [redacted] is less than the note amount of [redacted] based on the Preliminary in file. | Reviewer Comment (2026-04-23): Title Supplement document provided reflecting loan amount $[redacted]. Exception cleared Buyer Comment (2026-04-22): Please see attached. |
04/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225291627 | [Redacted] | [Redacted] | 36095720 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] rate lock was missing in file. | Reviewer Comment (2026-04-22): Initial [redacted]. rate lock document received and verified. Exception cleared Buyer Comment (2026-04-20): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225291627 | [Redacted] | [Redacted] | 36111274 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing mortgage statement to verify if taxes and insurance are escrowed. Verification of taxes and insurance, also HOA is required | Reviewer Comment (2026-05-21): Received new mortgage Note, appraisal, insurance and tax cert, exception cleared. Buyer Comment (2026-05-19): [redacted] condition. Please clear Reviewer Comment (2026-04-22): Required Mortgage statement, Tax and Insurance & HOA document for the REO Property address"[redacted].". Provided one [redacted]". Exception remains. Buyer Comment (2026-04-20): Could you please tell me if this is for the property at [redacted]. or a different property. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225292655 | [Redacted] | [Redacted] | 36093069 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted] | Reviewer Comment (2026-04-24): [redacted] amount verified from Credit report. Taxes and insurance amount updated individually. Exception cleared. Buyer Comment (2026-04-22): additional rebuttal upld Reviewer Comment (2026-04-09): As per requirement Mortgage statement is require of REO property "[redacted]" to clear the exception, as credit report does not confirm exact P&I amount. Exception Remains. Buyer Comment (2026-04-08): rebuttal upld |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225292655 | [Redacted] | [Redacted] | 36112055 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Mortgage statement is missing for [redacted] | Reviewer Comment (2026-04-24): [redacted]amount verified from Credit report. Taxes and insurance amount updated individually. Exception cleared. Buyer Comment (2026-04-22): additional rebuttal upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225295384 | [Redacted] | [Redacted] | 36110205 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security instrument is signed by the borrower, however is not dated. There is a section on the signature line for the date the borrower signed. | Reviewer Comment (2026-05-14): Received Scriverner's Affidavit Buyer Comment (2026-05-12): Affidavit |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225297949 | [Redacted] | [Redacted] | 36116786 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A business purpose affidavit is provided however proceeds of the loan was used to pay off a [redacted] loan. The title commitment does not reflect that [redacted] has a lien on the property. | Reviewer Comment (2026-05-12): Cleared. Received lender attestation that busienss purpose form was generated in error and the file was intended to comply with consumer purpose regulation. Buyer Comment (2026-05-08): Attestation |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225297961 | [Redacted] | [Redacted] | 36102128 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstances for this fee and the cure provided at closing of [redacted]was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-04-16): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-15): Please see final CD showing a lender credit of $[redacted] for the appraisal v[Redacted]tion |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225297961 | [Redacted] | [Redacted] | 36102129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | Survey Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee and the cure provided at closing of $[redacted] was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-04-30): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-04-29): Please see Correspondence email with title to confirm that the survey was required to issue Title Policy. PCCD has been updated moving the Third-Party Survey Fee to Section H as applicable. Cover letter sent to borrower with PCCD via our internal system is also provided. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225297961 | [Redacted] | [Redacted] | 36116249 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock as required by the Client. | Reviewer Comment (2026-04-17): [redacted] Rate Lock document received and verified. Exception cleared. Buyer Comment (2026-04-15): Please see attached rate lock |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225297961 | [Redacted] | [Redacted] | 36369399 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101949 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement [redacted] not provided | [redacted] of Operating income History is missing in file. | Reviewer Comment (2026-04-02): Received vacation rental documentation. Cleared. Seller Comment (2026-03-31): Please find attached the documentation borrower rents with xxxx and xxxx. Also we received a exception allowing [redacted] months which is also included. Reviewer Comment (2026-03-27): Provided DSCR worksheet which verifies $[redacted] was used for calculation. Per appraisal report, property is on short term rental with total rent of $[redacted]. [redacted] form suggest property was on rent for less than [redacted] months. Require vacation rental income statement ([Redacted] etc.). Exception remains. Seller Comment (2026-03-26): Income Calc received Reviewer Comment (2026-03-26): Vacation Rental Income Statement ([Redacted], etc.) it not provided. Exception remains. Seller Comment (2026-03-24): Document received |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101950 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing in file. | Reviewer Comment (2026-03-26): Received Articles of Organization/Formation. Exception cleared. Seller Comment (2026-03-24): Document received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101953 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-03-26): Received Certificate of Good Standing. Exception cleared. Seller Comment (2026-03-24): Document received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101954 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-03-27): Received Closing Protection Letter. Exception cleared. Seller Comment (2026-03-26): CPL Received Reviewer Comment (2026-03-26): Closing Protection Letter is not received. Exception remains. Seller Comment (2026-03-24): Document received |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing in file. | Reviewer Comment (2026-03-26): Received Operating Agreement for requirement of Corporate Resolution. Exception cleared. Seller Comment (2026-03-24): Document received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing in file. | Reviewer Comment (2026-03-26): Received Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-03-24): Document received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101960 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in file. | Reviewer Comment (2026-03-26): Received Fraud Report. Exception cleared. Seller Comment (2026-03-24): Document received Seller Comment (2026-03-24): Fraud Report received. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36101962 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing in file. | Reviewer Comment (2026-03-26): Received Operating Agreement. Exception cleared. Seller Comment (2026-03-24): Document received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298017 | [Redacted] | [Redacted] | 36104968 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-03-26): Received OFAC for the guarantor. Exception cleared. Seller Comment (2026-03-24): OFAC Received |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225298254 | [Redacted] | [Redacted] | 36102748 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | [redacted] (Schedule A) is provided, missing complete Title commitment. | Reviewer Comment (2026-05-14): Received Final Title Policy. Exception Cleared. Buyer Comment (2026-05-12): final policy uplld |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225298254 | [Redacted] | [Redacted] | 36102749 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the Initial [redacted] Rate Lock as required by the client's guidance. | Reviewer Comment (2026-04-08): Received rate lock document. Exception cleared. Buyer Comment (2026-04-06): locks upld |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225298254 | [Redacted] | [Redacted] | 36102750 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure from Simultaneous purchase in REO - [redacted]. | Reviewer Comment (2026-04-08): Received final CD. Exception cleared. Buyer Comment (2026-04-06): final cd upld |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225299607 | [Redacted] | [Redacted] | 36103073 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | The final CD did not disclose and estimated escrow amount in the "Projected Payments" section of [redacted] | Reviewer Comment (2026-04-15): [redacted]c Received Corrected PCCD and Letter of Explanation. Buyer Comment (2026-04-15): PCCD with corrections |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103074 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed | None of the escrow information on [redacted] of the final CD is completed. | Reviewer Comment (2026-04-15): [redacted] Received Corrected PCCD and Letter of Explanation. Buyer Comment (2026-04-15): See PCCD |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103075 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over [redacted] for loan with no escrow account established. | Final Closing Disclosure provided on [redacted] did not disclose any escrow information on [redacted] | Reviewer Comment (2026-04-15): [redacted] Received Corrected PCCD and Letter of Explanation. Buyer Comment (2026-04-15): See PCCD |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103076 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] did not disclose any escrow information on [redacted] | Reviewer Comment (2026-04-15): [redacted] Received Corrected PCCD and Letter of Explanation. Buyer Comment (2026-04-15): See PCCD |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103077 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at [redacted] business days prior to closing. | The only CD in file is dated [redacted] and signed [redacted]. The was no evidence of borrower receipt of a CD at least [redacted] prior to closing | Reviewer Comment (2026-04-03): Initial CD associated and Information updated. Exception Cleared. Buyer Comment (2026-04-02): Cds |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103082 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent not provided. | Reviewer Comment (2026-04-03): E-sign Consent agreement provided and associated. Exception cleared Buyer Comment (2026-04-02): eConsent |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225299607 | [Redacted] | [Redacted] | 36103083 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the Final Title Policy. | Reviewer Comment (2026-04-03): Final Title Policy document received and associated. Exception Cleared. |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225299607 | [Redacted] | [Redacted] | 36103084 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount not provided in preliminary title policy. | Reviewer Comment (2026-04-03): Final Title Policy document received and information updated. Exception Cleared. Buyer Comment (2026-04-02): Final Title Policy |
04/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225299607 | [Redacted] | [Redacted] | 36103087 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance in DTI due to Lender not including taxes and insurance in their [redacted] DTI. | Reviewer Comment (2026-05-12): Received revised [redacted]. Exception Cleared. Buyer Comment (2026-05-08): Updated [redacted]/[redacted] with updated DTI |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225299607 | [Redacted] | [Redacted] | 36103089 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to variance in DTI. | Reviewer Comment (2026-05-12): Received revised [redacted]. Exception Cleared. Buyer Comment (2026-05-08): See updated [redacted]/[redacted] with updated DTI |
05/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225299607 | [Redacted] | [Redacted] | 36103090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] finding due to variance in DTI. | Reviewer Comment (2026-05-12): Received revised [redacted]. Exception Cleared. Buyer Comment (2026-05-08): See updated [redacted]/[redacted] with updated DTI |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225329336 | [Redacted] | [Redacted] | 36105923 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA document for property [redacted] | Reviewer Comment (2026-04-24): DTI is within tolerance , exception cleared Buyer Comment (2026-04-23): The DTI is within tolerance and a [redacted] shouldn't be required Reviewer Comment (2026-04-16): Received updated [redacted] and [redacted]. As per received[redacted] DTI is [redacted]% and calculated DTI is [redacted]%. Please provide updated [redacted]. Exception remains. Buyer Comment (2026-04-14): Corrected [redacted] and [redacted]. No other costs Buyer Comment (2026-04-14): Corrected[redacted]and [redacted]. No other costs Reviewer Comment (2026-04-06): Received[redacted]st page of Form [redacted]. As per [redacted] other payments are $[redacted] and Form [redacted]shows HOA as $[redacted] monthly. Please provide supporting documents to verify other payments of $[redacted]. Exception remains Buyer Comment (2026-04-02): HOA dues |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225329336 | [Redacted] | [Redacted] | 36115099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Rate Lock was not found in the file | Reviewer Comment (2026-04-06): Received Rate Lock document. Exception cleared. Buyer Comment (2026-04-02): lock |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225329336 | [Redacted] | [Redacted] | 36117124 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing verification documentation for HOA for [redacted] | Reviewer Comment (2026-04-24): DTI is within tolerence , exception cleared Buyer Comment (2026-04-23): The DTI is within tolerance and a [redacted] shouldn't be required. There is no other $[redacted] and it was removed , see previous new [redacted]/[redacted] Reviewer Comment (2026-04-06): Received 1st page of Form [redacted]. As per [redacted] other payments are [redacted] and Form [redacted] shows HOA as $[redacted] monthly. Please provide supporting documents to verify other payments of [redacted]. Exception remains Buyer Comment (2026-04-02): See HOA dues |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225329340 | [Redacted] | [Redacted] | 36110331 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Agreement is missing in file. | Reviewer Comment (2026-04-06): Rate lock received. Buyer Comment (2026-04-02): Lock |
04/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225329340 | [Redacted] | [Redacted] | 36110335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-24): PCCD with cure Reviewer Comment (2026-04-03): [redacted] received rebuttal comment that cure was provided on final CD but, cure provided on final CD is $[redacted] while the required cure is $[redacted] ([redacted] and [redacted]% $[redacted]). Please provide remaining cure of $[redacted]. Buyer Comment (2026-04-02): See [redacted] page [redacted] for final CD with cure at bottom of page [redacted] |
04/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225329340 | [Redacted] | [Redacted] | 36110336 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-24): See PCCD with cure Reviewer Comment (2026-04-03): [redacted] received rebuttal comment that cure was provided on final CD but, cure provided on final CD is $[redacted] while the required cure is $[redacted] ([redacted] and [redacted] $[redacted]). Please provide remaining cure of $[redacted]. Buyer Comment (2026-04-02): See [redacted] page[redacted] for final CD with cure at bottom of page [redacted] |
04/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225330678 | [Redacted] | [Redacted] | 36112825 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-13): E-Sign Consent Agreement document received and verified. Exception cleared Buyer Comment (2026-04-09): proof econsent was accepted is sufficient to clear the condition Reviewer Comment (2026-04-08): Please provide initial E-sign consent agreement, Exception remains. Buyer Comment (2026-04-07): proof econsent accepted upld |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225330678 | [Redacted] | [Redacted] | 36112827 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the Initial [redacted] Rate Lock as required by the client's guidance. | Reviewer Comment (2026-04-08): Received rate lock document, Exception cleared. Buyer Comment (2026-04-07): locks upld |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225330678 | [Redacted] | [Redacted] | 36112831 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Lender credits decreased from [redacted] without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-04-08): [redacted] Received Valid COC dated [redacted] Buyer Comment (2026-04-07): coc details upld |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225330678 | [Redacted] | [Redacted] | 36112832 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee of [redacted] was not disclosed in initial LE and was added without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-05-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-05): pccd docs upld |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225330679 | [Redacted] | [Redacted] | 36103593 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] of application. | Application date was [redacted] and initial loan estimate was issued on [redacted] | Reviewer Comment (2026-04-03): [redacted] received initial LE dated [redacted]. Buyer Comment (2026-04-02): Disclosure Tracking, eConsent, and ILE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225330679 | [Redacted] | [Redacted] | 36103594 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate [redacted]Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least [redacted] prior to closing. | Application date was [redacted] and initial loan estimate was issued on [redacted] | Reviewer Comment (2026-04-03): [redacted] received proof of receipt. Buyer Comment (2026-04-02): See Disclosure Tracking, eConsent, and ILE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225330679 | [Redacted] | [Redacted] | 36221035 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee increased or Cure is required to borrower. | Reviewer Comment (2026-05-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-30): PCCD with cure, sent out today Reviewer Comment (2026-04-27): [redacted] received updated COC indicates that appraisal shows property is a Condo. However, the knowledge the property is condo would have been known at application due to the initial application ([redacted]) indicating the property is condominium and triggering the need to disclose all applicable fees. As it was not new knowledge the property was condo on [redacted] the addition of the fee added is not covered by the COC. If there was an additional reason the fee added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Buyer Comment (2026-04-24): RLE with coc Reviewer Comment (2026-04-20): [redacted] received LE and COC dated [redacted] but the reason provided in rebuttal comment is not on COC. Please provide COC or LOX with the reason for adding HOA cert fee for associating the document with the file. Buyer Comment (2026-04-18): HOA fee was added on [redacted] revised CD. Fee was disclosed once the Appraisal was received reflecting property was a condo. LE & COC details attached Buyer Comment (2026-04-18): HOA fee was added on[redacted] revised CD. Fee was disclosed once the Appraisal was received reflecting property was a condo. LE & COC details attached |
05/01/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225330797 | [Redacted] | [Redacted] | 36111224 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | File is missing the [redacted] statement for [redacted] | Reviewer Comment (2026-05-22): Bank Statement received and verified for the [redacted]Month [redacted]. Exception cleared Buyer Comment (2026-05-21): [redacted]statement upld |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225330797 | [Redacted] | [Redacted] | 36111242 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing the [redacted] statement for [redacted] | Reviewer Comment (2026-05-22): Bank Statement received and verified for the [redacted]Month[redacted]. Exception cleared Buyer Comment (2026-05-21): [redacted]statement upld to trl docs |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225330797 | [Redacted] | [Redacted] | 36111265 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | - | File is missing the [redacted]statement for[ redacted] | Reviewer Comment (2026-05-22): Bank Statement received and verified for the [redacted]Month [redacted]. Exception cleared Buyer Comment (2026-05-21): [redacted]statement upld to trl docs |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225330797 | [Redacted] | [Redacted] | 36116191 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Rate Lock was not found in the file | Reviewer Comment (2026-04-08): Rate lock received. Buyer Comment (2026-04-06): locks upld |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225330797 | [Redacted] | [Redacted] | 36118364 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the [redacted] statement for [redacted] | Reviewer Comment (2026-05-22): Bank Statement received and verified for the [redacted]Month [redacted]. Exception cleared Buyer Comment (2026-05-21): [redacted] statement upld to trl docs |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225331035 | [Redacted] | [Redacted] | 36112838 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-04-22): Rate lock received and associated. Exception cleared. Buyer Comment (2026-04-21): Please see attached. |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225331035 | [Redacted] | [Redacted] | 36122493 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [redacted] tolerance increased above the allowable limit due to an increase in the Survey Fee. The file did not contain a valid Change of Circumstance for the increase and there was no evidence of a tolerance cure provided. | Reviewer Comment (2026-05-17): [redacted] received valid rebuttal comment, Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-05-15): The fee was optional and borrower chosen, please clear condition. Reviewer Comment (2026-05-04): [redacted] received Letter of explanation and Corrected Closing disclosure. However, we also required supporting evidence as to why the fee was moved to one section to another section. If the service is optional (borrower chosen and not required by title or lender) and the survey completed on their own, then please provide attestation letter for the same in order to clear this exception. Buyer Comment (2026-05-01): Please see attached Reviewer Comment (2026-04-21): [redacted] Survey fee increased to $[redacted]on Initial CD from $[redacted] without valid COC. Provide valid COC or cure docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-04-21): Could you please review the survey fee again. The final closing disclosure shows that the Survey fee was actually DECREASED from the CD and COC on [redacted]. Please clear condition. |
05/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225331035 | [Redacted] | [Redacted] | 36122506 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock as required by the Client. | Reviewer Comment (2026-04-22): Rate lock received and associated. Exception cleared. Buyer Comment (2026-04-21): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225331038 | [Redacted] | [Redacted] | 36111762 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-30): Received final title. Exception cleared. |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225331038 | [Redacted] | [Redacted] | 36117229 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 item [redacted] reflects a federal tax lien [redacted], a judgment [redacted] and [redacted] tax liens [redacted]. HUD 1 reflects an IRS payoff of [redacted]only. Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-04-30): Received final title which reflects title clear of all liens. Exception cleared. Buyer Comment (2026-04-29): Final Title Policy Reviewer Comment (2026-04-28): Documentation would be required from the title company ensuring all liens have been paid and satisfied or subordinated. Reviewer Comment (2026-04-20): Please provide evidence from title that the judgments adn liens have been satisfied or released, and will not have negative impact on final title policy. Buyer Comment (2026-04-16): Proof of previous payments and payoff of federal tax lien Reviewer Comment (2026-04-08): The provided documents were already available on file at initial review. Federal tax lien is pending of $[redacted] and provided document show released amount of $[redacted]. Not sure if both are same as certificate number or instrument number was not provided. Please provide evidence for complete federal tax lien of $[redacted] is paid off or released. Exception remains. Buyer Comment (2026-04-07): See consummation CD showing this lien paid at closing Reviewer Comment (2026-03-31): Received affidavit of non- identity for judgment $[redacted] and [redacted] tax liens ([redacted], $[redacted] and $[redacted]). Provide evidence for federal tax lien $[redacted]3. Exception remains. Buyer Comment (2026-03-27): Not Me Affidavit |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225331047 | [Redacted] | [Redacted] | 36105824 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Financial Institution: [redacted] // Account Type: Funds from Business Account / Account Number: [redacted]: Account Months Verified is less than [redacted], received only one months statement. | Reviewer Comment (2026-06-02): Received [redacted] month bank statemen for account [redacted]. Exception cleared. Buyer Comment (2026-05-29): Please see attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225331047 | [Redacted] | [Redacted] | 36118509 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock required by the Client. | Reviewer Comment (2026-04-13): Initial [redacted] rate lock document received and verified. Exception cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225331394 | [Redacted] | [Redacted] | 36115198 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec [redacted] | A secondary valuation is required for securitization purposes. | Reviewer Comment (2026-05-21): Provided valid CDA supporting value Buyer Comment (2026-05-20): Please see attached. Reviewer Comment (2026-04-14): Unable to waive property exception. A secondary valuation is required. Buyer Comment (2026-04-10): Please waive per [redacted] |
05/21/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225331394 | [Redacted] | [Redacted] | 36122657 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock document required by the Client. | Reviewer Comment (2026-04-13): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225331492 | [Redacted] | [Redacted] | 36113559 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender Exception with compensating factor was not found in file. As per 1008 Exceptions required for housing history & recent loan modification due to financial hardship. Housing history in most recent [redacted] does not meet guides and borrower had a loan modification on prior home less than [redacted] prior to subject transaction. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-24): Client elects to waive with compensating factors. Buyer Comment (2026-04-22): Please see attached. Reviewer Comment (2026-04-13): Received only rate lock document please provide lender exception for Housing history in most recent [redacted] does not meet guides and borrower had a loan modification on prior home less than [redacted] prior to subject transaction, Exception remains. Buyer Comment (2026-04-10): Please see attached. |
04/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225331492 | [Redacted] | [Redacted] | 36123075 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the [redacted] Rate Lock document as required by Client. | Reviewer Comment (2026-04-13): Received Rate Lock document in file. Exception Cleared. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225331492 | [Redacted] | [Redacted] | 36335655 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for full doc primary purchase with [redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-24): Client elects to waive with compensating factors. |
04/24/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225335339 | [Redacted] | [Redacted] | 36119349 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | [redacted] Mortgage state stated disclosure not provided. | Reviewer Comment (2026-04-16): Compliance Data corrected. Exception cleared Buyer Comment (2026-04-14): Mass forms |
04/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225335339 | [Redacted] | [Redacted] | 36119350 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] | Reviewer Comment (2026-05-11): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-05-08): New RTC with proof of receipt Reviewer Comment (2026-05-01): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-04-30): sent out today Buyer Comment (2026-04-30): PCCD with cure |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225335339 | [Redacted] | [Redacted] | 36119351 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Reviewer Comment (2026-05-11): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-05-08): See new RTC with proof of receipt Reviewer Comment (2026-05-01): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-04-30): See PCCD with cure |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225335339 | [Redacted] | [Redacted] | 36119352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan Estimate not delivered to Borrower within [redacted] of application date. | Reviewer Comment (2026-04-23): [redacted] received e-consent dated [redacted] Buyer Comment (2026-04-22): eConsent |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225335339 | [Redacted] | [Redacted] | 36119360 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. | Reviewer Comment (2026-05-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-30): See PCCD with cure |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225335339 | [Redacted] | [Redacted] | 36119361 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted]exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Tax Return Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. | Reviewer Comment (2026-05-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-30): See PCCD with cure |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225335339 | [Redacted] | [Redacted] | 36123229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-15): [redacted] received valid [redacted] document Buyer Comment (2026-04-14): Rebuttal and [redacted] with [redacted] |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225335340 | [Redacted] | [Redacted] | 36119353 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The qualifying income for borrowers is $[redacted]. The total monthly obligations, including all recurring debt payments, amount to $[redacted]The DTI ratio is calculated by dividing the total monthly debt payments by the total qualifying income, Calculated DTI is [redacted]% | Reviewer Comment (2026-04-20): Bid tape data is corrected with the calculated DTI. Buyer Comment (2026-04-16): please clear, the bid tape was corrected. Reviewer Comment (2026-03-30): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal is [redacted]. To correct this, [redacted] would need to provide updated Bid tape for the DTI for us to get it changed. Buyer Comment (2026-03-27): revised 1008 upld |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225335395 | [Redacted] | [Redacted] | 36118449 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Note document address is not matching with Hazard Insurance document. Note document showing [redacted] Hazard Insurance reflecting as [redacted] | Reviewer Comment (2026-05-15): Corrected Note, Security Instrument received with correct address. Exception Cleared. Buyer Comment (2026-05-13): : Sorry I missed the upload of the note. Please see attached. Reviewer Comment (2026-05-08): Received Deed, Security Instrument and Deed. No evidence of note in the trailing documents. Exception remains Buyer Comment (2026-05-06): Please see attached recorded docs with the address corrected on the Note, PP Addendum, Mortgage. 1-4 Family Rider, Fixed Prepayment Rider, Condo Rider. HOI is correct. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225335395 | [Redacted] | [Redacted] | 36118457 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Note document address is not matching with Flood Insurance document. Note document showing [redacted] Flood Insurance reflecting as [redacted] | Reviewer Comment (2026-05-15): Corrected Note, Security Instrument received with correct address. Exception Cleared. Buyer Comment (2026-05-13): Sorry I missed the upload of the note. Please see attached. Reviewer Comment (2026-05-08): Received Deed, Security Instrument and Deed. No evidence of note in the trailing documents. Exception remains Buyer Comment (2026-05-06): Please see attached recorded docs with the address corrected on the Note, PP Addendum, Mortgage. 1-4 Family Rider, Fixed Prepayment Rider, Condo Rider. Flood Cert is correct. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225335395 | [Redacted] | [Redacted] | 36128811 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guides, there is a Maximum [redacted] members per LLC. There are [redacted]members signing on behalf of the borrowing entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Long term home ownership |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-04-20): Lender exception approved for [redacted] members. Client elects to waive with compensating factors. Buyer Comment (2026-04-16): Please see attached Exception Approval |
04/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225335873 | [Redacted] | [Redacted] | 36121153 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial [redacted]Rate lock agreement is missing in loan file. | Reviewer Comment (2026-04-09): Received Rate lock agreement in file. Exception Cleared. Buyer Comment (2026-04-07): locks upld |
04/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225335873 | [Redacted] | [Redacted] | 36121155 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225335873 | [Redacted] | [Redacted] | 36121156 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225335873 | [Redacted] | [Redacted] | 36121182 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Due diligence DTI of [redacted]% closely matches with lender qualifying DTI of [redacted]% with differing bid Tape DTI of [redacted]% | Reviewer Comment (2026-06-03): Bid tape data is corrected. Exception Cleared. Buyer Comment (2026-06-01): please clear, dti is [redacted], the bod tape has been updated and the dti is within tolerance. Reviewer Comment (2026-04-23): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-04-22): revised 1008 with corrected qualifying rate upld Reviewer Comment (2026-04-09): Received lenders updated 1008 reflecting a DTI of [redacted], however DD DTI is at [redacted] based on the qualification method of the adjustable rate and Bid tape is at [redacted]. Discrepancy remains. Buyer Comment (2026-04-07): revised 1008 upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225335873 | [Redacted] | [Redacted] | 36121186 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-06-03): Bid tape data corrected DTI in file. Exception Cleared. Buyer Comment (2026-06-01): please clear, dti is [redacted], the bod tape has been updated and the dti is within tolerance. Reviewer Comment (2026-04-23): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-04-22): revised 1008 with corrected qualifying rate upld to trl docs Reviewer Comment (2026-04-09): Received lenders updated 1008 reflecting a DTI of [redacted], however DD DTI is at [redacted] based on the qualification method of the adjustable rate and Bid tape is at [redacted]. Discrepancy remains. Buyer Comment (2026-04-07): revised 1008 upld to trl docs |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225335873 | [Redacted] | [Redacted] | 36121187 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to DTI discrepancy. | Reviewer Comment (2026-06-03): Bid tape data corrected DTI in file. Exception Cleared. Buyer Comment (2026-06-01): please clear, dti is [redacted], the bod tape has been updated and the dti is within tolerance. Reviewer Comment (2026-04-23): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-04-22): revised 1008 with corrected qualifying rate upld to trl docs Reviewer Comment (2026-04-09): Received lenders updated 1008 reflecting a DTI of [redacted], however DD DTI is at [redacted] based on the qualification method of the adjustable rate and Bid tape is at [redacted]. Discrepancy remains. Buyer Comment (2026-04-07): revised 1008 upld to trl docs |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225337472 | [Redacted] | [Redacted] | 36131485 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the[redacted] Rate Lock document required by the Client. | Reviewer Comment (2026-04-20): Initial [redacted] Rate Lock document received. Buyer Comment (2026-04-16): See attached Rate lock Buyer Comment (2026-04-16): Please see attached Lender Attestation and Title Company Correspondence. Fee of [redacted] and Title - Tax Report fee of [redacted] are not financed charges. |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225338947 | [Redacted] | [Redacted] | 36126793 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] | Secondary valuation is not provided in file | Reviewer Comment (2026-04-27): Received CDA, Exception cleared. Buyer Comment (2026-04-24): Please see attached CDA |
04/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Purchase | D | A | A | A | B | A | D | A | Non QM | Non QM | No | |||||||||||
| 225338947 | [Redacted] | [Redacted] | 36127335 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Document is not provided in file | Reviewer Comment (2026-04-17): [redacted] Initial rate lock received. Exception cleared. Buyer Comment (2026-04-15): Please see attached rate lock |
04/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | D | A | A | A | B | A | D | A | Non QM | Non QM | No | ||||||||||
| 225338947 | [Redacted] | [Redacted] | 36128222 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |
03/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | D | A | A | A | B | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 225345300 | [Redacted] | [Redacted] | 36139995 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is not provided for [redacted] | Reviewer Comment (2026-04-09): Closing Disclosure provide and verified. Exception cleared. Buyer Comment (2026-04-07): final cd for [redacted] |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225345300 | [Redacted] | [Redacted] | 36140070 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee (Closing Agent and Other) increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-04-09): [redacted] received corrected PCCD and LOE moving the fee in section H. Buyer Comment (2026-04-07): pccd docs and email to bwr upld |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225345300 | [Redacted] | [Redacted] | 36260253 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Document missing in loan file. | Reviewer Comment (2026-04-23): HOA Verification provided and associated. Exception cleared Buyer Comment (2026-04-22): aprsl screenshot / no hoa upld |
04/23/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225345311 | [Redacted] | [Redacted] | 36139329 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags on fraud report were not cleared. | Reviewer Comment (2026-04-09): Initial package had fraud report with cleared red flags. Exception cleared. Buyer Comment (2026-04-08): please see [redacted] for red flags cleared on fraud |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225345311 | [Redacted] | [Redacted] | 36139608 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | It appears there was an exception approved for this loan, however the exception form outlining the exceptions, approval and compensating factors are missing. | Reviewer Comment (2026-04-08): Cleared. Received lender exception approval documentation. |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225345311 | [Redacted] | [Redacted] | 36139628 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | File is missing the operating agreement for [redacted] to ensure the ownership of the entity transferring the property to the borrower. | Reviewer Comment (2026-04-23): Warranty deed transferring the ownership of property to the borrower already received. Operating agreement not required. Exception Cleared. Buyer Comment (2026-04-22): please clear condition, deed was provided, the loan didn't close in a llc, operating agreement not required. Reviewer Comment (2026-04-09): Please provide operating agreement for [redacted] to verify the ownership of the borrower. Exception remains. Buyer Comment (2026-04-08): loan didn't close in an llc, copy of deed upld |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225345311 | [Redacted] | [Redacted] | 36139667 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Debt service months discrepancy. | Calculated debt service months reserves of ___ is less than AUS debt service months reserves of ___. | Discrepancy in [redacted]. DD calculated [redacted]. There appears to have been an exception approved for this situation, however the exception form outlining the exceptions of the loan, the approval and the comp factors is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower's Experience/Track Record |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Borrower's Experience/Track Record. The borrower has: [redacted] Years of Experience. |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-04-08): Client elects to waive with compensating factors. Reviewer Comment (2026-04-08): Lender exception provided to allow rents per recently lexecuted loease which exceed 1007 market rent to be used to calculate DSCR wit only [redacted] rent documented. Buyer Comment (2026-04-06): [redacted] Exception |
04/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 225345311 | [Redacted] | [Redacted] | 36254842 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for use of the appraised value instead of lowest recent property listing for properties listed for sale by current owner within the l[redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower's Experience/Track Record |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Borrower's Experience/Track Record. The borrower has: [redacted] Years of Experience. |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-04-08): Client elects to waive with compensating factors. |
04/08/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225350841 | [Redacted] | [Redacted] | 36142824 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Recording fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-05-12): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-11): Delivered [redacted] Reviewer Comment (2026-05-01): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-04-30): PCCD with cure Reviewer Comment (2026-04-07): [redacted] Cure provided at closing only suffice Credit report fee tolerance cure; however, there is not valid COC for increased recording fee. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-06): See[redacted] page [redacted] for final CD , cure is on bottom of page [redacted] |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225350841 | [Redacted] | [Redacted] | 36142825 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-04-07): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-06): See[redacted] page [redacted] for final CD , cure is on bottom of page [redacted] |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225350841 | [Redacted] | [Redacted] | 36144919 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not provided in file. | Reviewer Comment (2026-04-08): Rate lock received. Buyer Comment (2026-04-06): lock |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225351014 | [Redacted] | [Redacted] | 36148441 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement missing in file for address [redacted] | Reviewer Comment (2026-04-13): Rental income removed as per updated 1003. Buyer Comment (2026-04-10): please see revised 1003 with reo [redacted] updated. bank statement program for income used to qualify |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225351014 | [Redacted] | [Redacted] | 36148445 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement missing in file for address [redacted] | Reviewer Comment (2026-05-07): CD document received and Information updated. Exception Cleared. Buyer Comment (2026-05-06): please see attached [redacted]cd Reviewer Comment (2026-04-13): Please provide the Closing disclosure from new [redacted] loan on this property. Buyer Comment (2026-04-10): please see reo [redacted] mortgage statement doc [redacted] |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225352681 | [Redacted] | [Redacted] | 36143423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Permanent Resident Card is missing in file. | Reviewer Comment (2026-05-15): Permanent Resident Card received and updated. Exception cleared Buyer Comment (2026-05-13): Please see attached copy of borrowers Perm Resident Card. |
05/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225352681 | [Redacted] | [Redacted] | 36143476 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Status not provided | Permanent Resident Card is missing in file. | Reviewer Comment (2026-05-15): Permanent Resident Card received and updated. Exception cleared Buyer Comment (2026-05-13): Please see attached copy of borrowers Perm Resident Card. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225352681 | [Redacted] | [Redacted] | 36145736 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not found in file. | Reviewer Comment (2026-05-15): Initial Rate lock document provided. Exception cleared Buyer Comment (2026-05-13): Please see attached rate lock |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225355663 | [Redacted] | [Redacted] | 36154992 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This is a [Redacted] exception request for non-warrantable codo due to critical repairs and insufficient property Insurance. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. Buyer Comment (2026-04-21): Please clear, Exception is in [redacted] |
04/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225355663 | [Redacted] | [Redacted] | 36156151 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225356011 | [Redacted] | [Redacted] | 36152014 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on [redacted] | Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on [redacted] | Reviewer Comment (2026-05-07): [redacted] received Final settlement statement. Buyer Comment (2026-05-06): Please see the attached certified copy of the ALTA received from the title company. Reviewer Comment (2026-04-22): [redacted] received combined ALTA Statement but the statement provided is Estimated ALTA statement. Please provide True and certified copy of Final ALTA Statement - combined/seller to verify the seller paid fees or a corrected PCCD and LOE to cure. Buyer Comment (2026-04-21): Please see attached ALTA showing seller fees |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225356011 | [Redacted] | [Redacted] | 36152084 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide updated 1003 and 1008 for DTI variance. | Reviewer Comment (2026-04-23): Updated 1008 received. Buyer Comment (2026-04-21): Please see attached updated 1008/1003. Ratios are slightly different due to taxes on subject property as we are using the figure showing on [redacted] |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225356011 | [Redacted] | [Redacted] | 36152085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide updated 1003 and 1008 for DTI variance | Reviewer Comment (2026-04-23): Updated 1008 received. Buyer Comment (2026-04-21): Please see attached updated 1008/1003. Ratios are slightly different due to taxes on subject property as we are using the figure showing on [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356011 | [Redacted] | [Redacted] | 36157417 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Diligence Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] |
Reviewer Comment (2026-04-23): Updated 1008 received. Buyer Comment (2026-04-21): Please see attached updated 1008/1003. Ratios are slightly different due to taxes on subject property as we are using the figure showing on [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356117 | [Redacted] | [Redacted] | 36148505 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document is missing. | Reviewer Comment (2026-04-10): Initial Rate lock document received & associated. Exception cleared.. Buyer Comment (2026-04-08): lock upld |
04/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356117 | [Redacted] | [Redacted] | 36148507 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The file is missing a valid Change of Circumstance for [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-25): Sufficient Cure Provided At Closing |
03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225356117 | [Redacted] | [Redacted] | 36159049 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159084 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225356117 | [Redacted] | [Redacted] | 36159085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted] (DTI Exception requires compelling compensating factors to consider regrading to [redacted] | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159161 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value for departure residence to be excluded from DTI. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159172 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-03): Mortgage statement received. Exception cleared. Buyer Comment (2026-06-02): mortgage statement upld Reviewer Comment (2026-05-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Appraisal, Insurance Verification, Purchase Agreement / Sales Contract, Statement Reviewer Comment (2026-05-06): Mortgage statement is needed to verify whether the taxes and insurance are escrowed, which is essential for calculating the reserves from the departing address, exception remains. Buyer Comment (2026-05-04): rebuttal upld Reviewer Comment (2026-04-24): Require Mortgage statement for property [redacted]. Exception Remains. Buyer Comment (2026-04-22): aprsl, lox and hoi upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225356117 | [Redacted] | [Redacted] | 36159203 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The loan is missing Insurance Verification, Listing Agreement for departure residence, and Appraisal or AVM to show value to sell departure residence after closing of this refinance. | Reviewer Comment (2026-04-24): Received Appraisal, Hazard Insurance for departure residence. Exception Cleared. Buyer Comment (2026-04-22): aprsl, lox and hoi upld to trl docs |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225356118 | [Redacted] | [Redacted] | 36150899 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification not provided | Reviewer Comment (2026-05-15): Received Insurance document in file. Exception Cleared. Buyer Comment (2026-05-13): Please see attached. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225356482 | [Redacted] | [Redacted] | 36152409 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Require rate lock agreement with initial rate lock date mention on it. | Reviewer Comment (2026-04-22): Rate lock received and associated. Exception cleared. Buyer Comment (2026-04-21): Please see attached Rate Lock |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356482 | [Redacted] | [Redacted] | 36158540 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Lender Exception is noted on 1008 approval documents but lender exception form is not found in loan documents. Loan only has [redacted] months proof of receipt vs [redacted] | Reviewer Comment (2026-04-23): Lender exception with comp factors Buyer Comment (2026-04-21): Please see attached Exception Approval. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225356482 | [Redacted] | [Redacted] | 36158565 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] exception due missing Lender Exception for income documentation requirements. Only [redacted]months proof of receipt of income is documented vs[redacted]. [redacted] details an exception was provided but lender exception form is not found in loan docs. | Reviewer Comment (2026-04-23): Lender exception with comp factors Buyer Comment (2026-04-21): Please see attached Exception Approval. |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225356482 | [Redacted] | [Redacted] | 36158566 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] exception due missing Lender Exception for income documentation requirements. Only [redacted] months proof of receipt of income is documented vs [redacted]. [redacted] details an exception was provided but lender exception form is not found in loan docs. | Reviewer Comment (2026-04-23): Lender exception with comp factors Buyer Comment (2026-04-21): Please see attached Exception Approval. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356482 | [Redacted] | [Redacted] | 36158567 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] exception due missing Lender Exception for income documentation requirements. Only [redacted] months proof of receipt of income is documented vs[redacted]. [redacted] details an exception was provided but lender exception form is not found in loan docs. | Reviewer Comment (2026-04-23): Lender exception with comp factors Buyer Comment (2026-04-21): Please see attached Exception Approval. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225356482 | [Redacted] | [Redacted] | 36158609 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Lender Exception required for use of income. Income requirements require[redacted] months proof of receipt and we have only [redacted]. Exception is noted on [redacted] but Lender Exception form is not found in loan documents. | Reviewer Comment (2026-04-23): Lender exception with comp factors Buyer Comment (2026-04-21): Please see attached Exception Approval. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225361044 | [Redacted] | [Redacted] | 36152365 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | There is no date provided in the Telephone Listing/Internet Search document for the business [redacted]. | Reviewer Comment (2026-04-23): Received revised Internet search document. Exception Cleared. Buyer Comment (2026-04-21): Please see date document was uploaded to our portal. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225361044 | [Redacted] | [Redacted] | 36152369 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | There is no date provided in the Telephone Listing/Internet Search document for the business [redacted]. | Reviewer Comment (2026-04-23): Received revised Internet search document. Exception Cleared. Buyer Comment (2026-04-21): Please clear waterfall condition. |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225361044 | [Redacted] | [Redacted] | 36152370 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | There is no date provided in the Telephone Listing/Internet Search document for the business [redacted]. | Reviewer Comment (2026-04-23): Received revised Internet search document. Exception Cleared. Buyer Comment (2026-04-21): Please clear waterfall condition. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225361044 | [Redacted] | [Redacted] | 36152371 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | There is no date provided in the Telephone Listing/Internet Search document for the business [redacted]. | Reviewer Comment (2026-04-23): Received revised Internet search document. Exception Cleared. Buyer Comment (2026-04-21): Please clear waterfall condition |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225361044 | [Redacted] | [Redacted] | 36152375 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | There is no date provided in the Telephone Listing/Internet Search document for the business[redacted]. | Reviewer Comment (2026-04-23): Received revised Internet search document. Exception Cleared. |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225361397 | [Redacted] | [Redacted] | 36153010 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Lenders[redacted] reflects reserves are coming from another cash out refinance on an investment property. Closing Statement or HUD showing the cash out transaction has not been provided in file. | Reviewer Comment (2026-04-23): Received Closing Statement showing the cash out transaction to cover cash from borrower. Exception cleared Buyer Comment (2026-04-21): Please see Hud/Final Settlement statement for property at [redacted]showing net proceeds of [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225361397 | [Redacted] | [Redacted] | 36153014 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Lenders[redacted] reflects reserves are coming from another cash out refinance on an investment property. Closing Statement or HUD showing the cash out transaction has not been provided in file. | Reviewer Comment (2026-04-23): Received Closing Statement showing the cash out transaction to cover reserves. Exception cleared Buyer Comment (2026-04-21): Please see Hud/Final Settlement statement for property at [redacted] showing net proceeds of [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225361397 | [Redacted] | [Redacted] | 36162645 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | File is missing the mortgage payoff for the subject property. | Reviewer Comment (2026-04-23): Received mortgage payoff. Exception cleared. Buyer Comment (2026-04-21): Please see attached payoff statement. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225361571 | [Redacted] | [Redacted] | 36152062 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of Rent (VOR) is missing. | Reviewer Comment (2026-05-13): updated document s provided Buyer Comment (2026-05-11): revised 1008.1003 upld Reviewer Comment (2026-05-05): If we consider [redacted] as Primary rent the DTI changes to [redacted]. Please provide updated 1003 with primary rent as [redacted] and updated 1008. Exception Remains. Buyer Comment (2026-05-01): Borrower is a joint lease holder with [redacted]and remits her own payments, the cancelled checks provided are only in bwrs name and the email from landlord confirms current, this should be sufficient to clear.. Reviewer Comment (2026-04-23): Received [redacted] months Payment receipt shows payment of [redacted]. As per lease agreement rental amount is [redacted] and final 1003 shows rental amount as [redacted]. There is a discrepancy in rental amount. Required Lease agreement and [redacted] months payment history which shows rental amount as [redacted]. Exception remains Buyer Comment (2026-04-22): lease agreement and [redacted] recent checks upld Reviewer Comment (2026-04-09): Please provide VOR document which shows rent start date and how many monthly payments has been done, Exception remains. Buyer Comment (2026-04-08): the vor email is on [redacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225365052 | [Redacted] | [Redacted] | 36163652 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing Rate lock Agreement/documentation. | Reviewer Comment (2026-04-13): Rate lock received. Buyer Comment (2026-04-10): lock |
04/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225365052 | [Redacted] | [Redacted] | 36163671 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Guidelines require [redacted] months reserves, however only [redacted] months reserves available. | Reviewer Comment (2026-04-22): Evidence of POCB of [redacted] received and associated. Exception cleared. Buyer Comment (2026-04-21): Paid Receipt Reviewer Comment (2026-04-13): The appraisal invoice in file is showing [redacted] due, please provide evidence of [redacted] POC(B) was paid. Buyer Comment (2026-04-10): Rebuttal |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225365052 | [Redacted] | [Redacted] | 36163689 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to Guidelines requires [redacted] months reserves, however only[redacted] months reserves available. | Reviewer Comment (2026-04-22): Evidence of POCB of [redacted] received and associated. Exception cleared. Reviewer Comment (2026-04-13): The appraisal invoice in file is showing [redacted] due, please provide evidence of [redacted] POC(B) was paid. Buyer Comment (2026-04-10): See rebuttal |
04/22/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225365052 | [Redacted] | [Redacted] | 36163690 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to Guidelines requires [redacted] months reserves, however only [redacted] months reserves available. | Reviewer Comment (2026-04-22): Evidence of POCB of [redacted] received and associated. Exception cleared. Reviewer Comment (2026-04-13): The appraisal invoice in file is showing [redacted] due, please provide evidence of [redacted] POC(B) was paid. Buyer Comment (2026-04-10): See rebuttal |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225365055 | [Redacted] | [Redacted] | 36165538 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | [redacted] reflects a Lender exception requested for [redacted] day late payments on revolving account. Missing lender exception form and the email approval along with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. |
Reserves: [redacted] Guideline Requirement: [redacted] # of Properties Completed: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. Buyer Comment (2026-04-21): Please see attached Exception Approval |
04/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225365055 | [Redacted] | [Redacted] | 36165539 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final executed HUD/CD in file. | Reviewer Comment (2026-04-23): Received final closing statement. Exception cleared. Buyer Comment (2026-04-21): Please see attached Final Settlement Statement |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225365055 | [Redacted] | [Redacted] | 36165540 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of[redacted] is less than Guideline representative FICO score of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. |
Reserves: [redacted] Guideline Requirement: [redacted] # of Properties Completed: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. Reviewer Comment (2026-04-23): Received lender exception approval to permit [redacted]credit score. Buyer Comment (2026-04-21): Please see attached Exception Approval |
04/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225365057 | [Redacted] | [Redacted] | 36167218 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Prepayment addendum was not signed/dated | Reviewer Comment (2026-04-24): Prepayment addendum signed, cleared Buyer Comment (2026-04-24): Please see attached signed Prepayment Addendum |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 225367330 | [Redacted] | [Redacted] | 36165805 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] Individual Retirement Account (IRA) [redacted] to [redacted] statement provided; Guideline required two months of consecutive statements. | Reviewer Comment (2026-04-28): New account has been opened, and proof of source of deposits has been obtained and verified. Exception Cleared. Buyer Comment (2026-04-27): See transfer out Reviewer Comment (2026-04-21): The [redacted] statement for [redacted] to show the transfer of funds to the new [redacted] account is not located in the file. Buyer Comment (2026-04-20): [redacted] is a new account the funds that were used to open the account came from [redacted] which we provided over months statements on |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225367330 | [Redacted] | [Redacted] | 36165816 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to [redacted] Individual Retirement Account (IRA) [redacted] to [redacted] statement provided; Guideline required two months of consecutive statements. | Reviewer Comment (2026-04-28): New account has been opened, and proof of source of deposits has been obtained and verified. Exception Cleared. Reviewer Comment (2026-04-21): The [redacted] statement for [redacted] to show the transfer of funds to the new [redacted] account is not located in the file. Buyer Comment (2026-04-20): See assets and rebut |
04/28/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225367330 | [Redacted] | [Redacted] | 36165817 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]due to [redacted] Individual Retirement Account (IRA) [redacted] to [redacted] statement provided; Guideline required two months of consecutive statements. | Reviewer Comment (2026-04-28): New account has been opened, and proof of source of deposits has been obtained and verified. Exception Cleared. Reviewer Comment (2026-04-21): The [redacted] statement for [redacted] to show the transfer of funds to the new [redacted] account is not located in the file. Buyer Comment (2026-04-20): See assets and rebut |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225367330 | [Redacted] | [Redacted] | 36165818 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]due to [redacted] Individual Retirement Account (IRA) [redacted] to [redacted]statement provided; Guideline required two months of consecutive statements. | Reviewer Comment (2026-04-28): New account has been opened, and proof of source of deposits has been obtained and verified. Exception Cleared. Reviewer Comment (2026-04-21): The [redacted] statement for [redacted] to show the transfer of funds to the new [redacted] account is not located in the file. Buyer Comment (2026-04-20): See assets and rebut |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225367330 | [Redacted] | [Redacted] | 36165820 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] Individual Retirement Account (IRA) [redacted] to [redacted] statement provided; Guideline required two months of consecutive statements. | Reviewer Comment (2026-04-28): New account has been opened, and proof of source of deposits has been obtained and verified. Exception Cleared. Reviewer Comment (2026-04-21): The [redacted] statement for [redacted] to show the transfer of funds to the new [redacted] account is not located in the file. Buyer Comment (2026-04-20): See assets and rebut |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225367330 | [Redacted] | [Redacted] | 36165828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [redacted] Closing Disclosure and again on [redacted] Closing Disclosure with no valid change evident. | Reviewer Comment (2026-04-14): [redacted] received COC and appraiser comment for increase in fee. Buyer Comment (2026-04-10): See [redacted] page [redacted] for consummation CD , bottom of page [redacted] shows a [redacted] cure for the appraisal increase. The ICD has the original [redacted] increased to [redacted] , see ICD with COC and proof appraisal fee confirmed |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225367330 | [Redacted] | [Redacted] | 36165834 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | The application date is [redacted] and the disclosure was provided [redacted]. | Reviewer Comment (2026-04-14): Received disclosure summary. Exception cleared. Buyer Comment (2026-04-10): Disclosure Tracking |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225367330 | [Redacted] | [Redacted] | 36278072 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |
04/14/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225367542 | [Redacted] | [Redacted] | 36163931 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required | Reviewer Comment (2026-06-02): Updated 1003 received with previous employer details. Details verified and updated. Exception cleared. Buyer Comment (2026-05-29): Please see updated 1003. Please clear condition. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225367542 | [Redacted] | [Redacted] | 36164037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] exception due verification of employment less than[redacted] years | Reviewer Comment (2026-06-02): Updated 1003 received with previous employer details. Details verified and updated. Exception cleared. Buyer Comment (2026-05-29): [redacted]. Please clear. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225367542 | [Redacted] | [Redacted] | 36164916 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] years work history or letter of gap of employment is required. | Reviewer Comment (2026-06-02): Updated 1003 received with previous employer details. Details verified and updated. Exception cleared. Buyer Comment (2026-05-29): [redacted]. Please clear. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225367542 | [Redacted] | [Redacted] | 36164944 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Employment history is less than [redacted] years | Reviewer Comment (2026-06-02): Updated 1003 received with previous employer details. Details verified and updated. Exception cleared. Buyer Comment (2026-05-29): [redacted]. Please clear. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225373033 | [Redacted] | [Redacted] | 36170058 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Evidence of borrower's receipt of the gift funds were not located in the file and was not present on the final closing statement. | Reviewer Comment (2026-05-15): Cleared borrower never received fund the funds were sent directly to title company [redacted]. Buyer Comment (2026-05-13): The Borrower never received the funds, they were wired directly to the title Attorney for closing. Please see wire [redacted] and continues to [redacted] that confirms the wire is for the subject property. Reviewer Comment (2026-04-30): No new document received. Referenced document was considered and associated already with the initial review. [redacted] wire transferred to Title Attorney. Require statement reflecting receipt of gift funds by the borrower. In addition, final closing statement does not reflect gift funds. Exception remains. Buyer Comment (2026-04-28): The wire [redacted] shows funds of [redacted] were sent to [redacted] who is the Title Attorney, see [redacted] for verification of title attorney. Although the Bank statement is dated [redacted] it does not exceed the age of required documents plus the wire shows the available balance at the time of the transfer was [redacted] Reviewer Comment (2026-04-20): Exception remains. Evidence of borrower's receipt of the gift funds were not located in the file and was not present on the final closing statement. "bank statement showing sufficient fub=nds to [redacted] ." [redacted] This statement is dated [redacted] and gift funds were [redacted] Buyer Comment (2026-04-16): Gift of [redacted] wired [redacted] from [redacted] account See [redacted], proof access to funds [redacted], and bank statement showing sufficient funds to gift [redacted] |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225373041 | [Redacted] | [Redacted] | 36166660 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-22): Econsent received. Buyer Comment (2026-04-21): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225373041 | [Redacted] | [Redacted] | 36166713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). | The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]. | Reviewer Comment (2026-06-01): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-06-01): Please see attached. |
06/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225373041 | [Redacted] | [Redacted] | 36166715 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted]. | Reviewer Comment (2026-06-01): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-06-01): Please see attached. |
06/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225373290 | [Redacted] | [Redacted] | 36166808 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Rate Lock was not found in file | Reviewer Comment (2026-04-20): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-16): Please see attached rate lock |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225374264 | [Redacted] | [Redacted] | 36170301 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Lender Exception that is noted on [redacted]. Require Lender Exception approval form and comp factors for use of exchange funds ( [redacted] Exchange) | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. Reviewer Comment (2026-04-23): Lender exception approved for use of [redacted] 1031 exchanges. Buyer Comment (2026-04-21): Please see attached Exception Approval |
04/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225374264 | [Redacted] | [Redacted] | 36170362 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Need exchange agreement and HUD from Sale of property. | Reviewer Comment (2026-04-27): Document provided Buyer Comment (2026-04-23): Please see attached [redacted] docs Reviewer Comment (2026-04-23): Reviewed all trailing documents, however only the lender exception documentation was provided. Condition remains. Buyer Comment (2026-04-21): Please see attached 1031 Exchange documents |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225374264 | [Redacted] | [Redacted] | 36170370 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing HUD for property used in [redacted] exchange agreement | Reviewer Comment (2026-04-27): Document provided Reviewer Comment (2026-04-23): Reviewed all trailing documents, however only the lender exception documentation was provided. Condition remains. Buyer Comment (2026-04-21): Please see attached 1031 Exchange documents |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225374264 | [Redacted] | [Redacted] | 36170381 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Missing documentation for the [redacted] exchange agreement. | Reviewer Comment (2026-04-27): Document provided Reviewer Comment (2026-04-23): Reviewed all trailing documents, however only the lender exception documentation was provided. Condition remains. Buyer Comment (2026-04-21): Please see attached 1031 Exchange documents |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225374264 | [Redacted] | [Redacted] | 36170412 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Missing required [redacted] exchange documents. | Reviewer Comment (2026-04-27): Document provided Reviewer Comment (2026-04-23): Reviewed all trailing documents, however only the lender exception documentation was provided. Condition remains. Buyer Comment (2026-04-21): Please see attached 1031 Exchange documents |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225380344 | [Redacted] | [Redacted] | 36170623 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | The vesting as shown on the title commitment is [redacted]and [redacted]. [redacted] did not sign the security instrument and no deed taking her off the title was located in the file. | Reviewer Comment (2026-04-23): Received Borrower Affidavit. Exception Cleared. Buyer Comment (2026-04-21): Death cert removes from title Reviewer Comment (2026-04-13): Provided death certificate for [redacted]. Require deed taking her off the title. Exception remains. Buyer Comment (2026-04-10): Death cert |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225380369 | [Redacted] | [Redacted] | 36164917 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement, Tax and Insurance Verification not provided. | Reviewer Comment (2026-04-30): Available Credit report supplement [redacted] document confirms "Payment includes Principal, Interests, Taxes and Insurance" for REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-04-28): Typically, you can't determine if the payment includes the PITI or not on the credit report that's why we obtained a credit supplement [redacted] to verify. If you look at the document, under Agent notes, it states "Payment includes Principal, interests, taxes and insurance". credit supplement is an acceptable source of verification for this item. Reviewer Comment (2026-04-23): Credit report cannot be considered for mortgage statement it shows mortgage payment of [redacted] but do not confirm if it includes PITI. Tax and insurance are escrowed cannot be verified. Please provided mortgage statement. tax & Insurance document. Buyer Comment (2026-04-21): Please see credit supplement in [redacted] that shows Payment includes PITI |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225380369 | [Redacted] | [Redacted] | 36164938 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |
03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | N/A | N/A | Yes | |||||||||
| 225380369 | [Redacted] | [Redacted] | 36170991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | There are guideline deficiencies which could result in a risk to the borrower's ability to repay. No documentation provided to confirm PITIA on PR. | Reviewer Comment (2026-04-30): Available Credit report supplement [redacted] document confirms "Payment includes Principal, Interests, Taxes and Insurance" for REO property "[redacted], information validated. Exception Cleared. Buyer Comment (2026-04-28): Exception information states this is for PITI. Typically, you can't determine if the payment includes the PITI or not on the credit report that's why we obtained a credit supplement ([redacted]) to verify. If you look at the document, under Agent notes, it states "Payment includes Principal, interests, taxes and insurance". credit supplement is an acceptable source of verification for this item. However, the Intent to vacate is also attached. Reviewer Comment (2026-04-23): This condition is due to Letter of intent to vacate was supposed to be signed and provided at closing but not provided. Buyer Comment (2026-04-21): Please see credit supplement in [redacted] that shows Payment includes PITI |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225380369 | [Redacted] | [Redacted] | 36171000 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Letter of Intent to Vacate from parents ([redacted]) was to be provided due to appraisal indicating owner occupant status. Not provided at COE. | Reviewer Comment (2026-04-30): Available Credit report supplement [redacted] document confirms "Payment includes Principal, Interests, Taxes and Insurance" for REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-04-28): Please see attached copy of Intent to Vacate Letter signed by seller,. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225380369 | [Redacted] | [Redacted] | 36171005 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Letter of intent to vacate from sellers, not provided at COE. | Reviewer Comment (2026-04-30): Available Credit report supplement [redacted] document confirms "Payment includes Principal, Interests, Taxes and Insurance" for REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-04-28): Please see attached copy of Intent to Vacate Letter signed by seller,. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 225380454 | [Redacted] | [Redacted] | 36166105 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-13): E-Sign Consent Agreement received. Buyer Comment (2026-04-10): econsent accept upld |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225380454 | [Redacted] | [Redacted] | 36166117 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-04-13): Initial [redacted] Rate Lock agreement received. Buyer Comment (2026-04-10): locks upld |
04/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225380454 | [Redacted] | [Redacted] | 36166120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [redacted] Closing Disclosure with no valid change evident. | Reviewer Comment (2026-04-22): [redacted] Received CD dated [redacted] along with COC. Buyer Comment (2026-04-21): [redacted] revised cd/tracking upld Reviewer Comment (2026-04-14): [redacted] received COC dated [redacted] but the fee was increased on final CD dated [redacted] which is not within [redacted] business days from the date of change. Please provide any missing disclosures or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-04-10): coc details upld |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225380454 | [Redacted] | [Redacted] | 36166123 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | APR increased on [redacted] CD, this was not within [redacted] business days of [redacted] closing date. | Reviewer Comment (2026-04-22): [redacted] Received CD dated [redacted] along with COC. Buyer Comment (2026-04-21): [redacted] revised cd/tracking upld to trl docs Reviewer Comment (2026-04-13): [redacted] received [redacted] CD's, Initial CD issued [redacted] with APR of [redacted] and Final CD issued [redacted] with APR of [redacted]. APR increased over .[redacted] and borrower was not allowed [redacted] business day waiting period. If lender has other CD's that were not provided that can meet timing requirements, please provide. Buyer Comment (2026-04-10): please cancel, apr increase was less that .[redacted], [redacted] day waiting period not required |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225380468 | [Redacted] | [Redacted] | 36170985 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing signed Final HUD-1. Documents in file are Estimated. | Reviewer Comment (2026-04-20): Final HUD-1 provided Buyer Comment (2026-04-16): Please see attached settlement statement |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225380953 | [Redacted] | [Redacted] | 36171454 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Vesting on title Standard Block and not the borrower. Deed in file transferring from Standard to borrower is dated [redacted] and note date is [redacted]. Subject loan is a refinance. | Reviewer Comment (2026-04-23): Received Deed reflect transferring from standard to borrower is dated [redacted]. Exception Cleared. Buyer Comment (2026-04-22): Please see attached. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381056 | [Redacted] | [Redacted] | 36175392 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-21): Received rate lock document. Exception cleared. Buyer Comment (2026-04-17): Please see attached. |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225381056 | [Redacted] | [Redacted] | 36175839 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to insufficient insurance is approved. Per disposition, [redacted] LLPA per rate sheet. Borrower to obtain supplemental flood insurance with $[redacted]in loss assessment with the named peril of water. Subject to meeting all other [Redacted] guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-21): Client elects to waive with compensating factors. Buyer Comment (2026-04-17): Please see attached flood insurance. |
04/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225381056 | [Redacted] | [Redacted] | 36175911 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At Closing |
03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381056 | [Redacted] | [Redacted] | 36175912 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At Closing |
03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381056 | [Redacted] | [Redacted] | 36178113 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-30): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-29): Please see attached. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381056 | [Redacted] | [Redacted] | 36178114 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-30): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-29): Please see attached. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381056 | [Redacted] | [Redacted] | 36178115 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-30): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-29): Please see attached. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381056 | [Redacted] | [Redacted] | 36369182 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225381297 | [Redacted] | [Redacted] | 36171889 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File contains a statement from [redacted] dated [redacted] reflecting a balance of $[redacted] and a subsequent statement dated [redacted] with a balance of $[redacted] which is being used for assets. In addition, lender guides require a [redacted] month statement for all accounts. The statements provided do not reflect any deposits or the source of those deposits to support the amounts in the accounts. | Reviewer Comment (2026-04-06): Received additional assets and documentation. Condition cleared. Seller Comment (2026-04-03): Please see attached Bank Statements, which provide the source of those deposits. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381297 | [Redacted] | [Redacted] | 36175936 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of[redacted] | Reviewer Comment (2026-04-06): Received additional documentation for assets. Condition cleared. Seller Comment (2026-04-02): One month PITI is [redacted], [redacted] Month Reserve is [redacted]. Please refer to the attached [redacted] checking account statement, which shows a hold of [redacted]. This amount verifies the required [redacted] reserve funds in the borrower's account. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381297 | [Redacted] | [Redacted] | 36191809 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing evidence the gift funds were deposited into the guarantors account and is not reflected on the closing statement. | Reviewer Comment (2026-04-08): Received evidence of borrower's receipt. Condition cleared. Seller Comment (2026-04-08): Sorry, please see the attached deposit slip along with the corresponding check. The slip reflects the [redacted] gift fund check, the date of deposit, and the borrower's checking account number. Seller Comment (2026-04-07): Please see the attached deposit slip along with the corresponding check. The slip reflects the [redacted] gift fund check, the date of deposit, and the borrower's checking account number. Reviewer Comment (2026-04-06): Missing evidence the gift funds Of [redacted] were deposited into the guarantors account Seller Comment (2026-04-03): Please see attached [redacted] bank balance. Page [redacted] shows a copy of the gift check deposited into the borrower's [redacted] |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381297 | [Redacted] | [Redacted] | 36191812 | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided | File does not contain evidence the EMD of $[redacted] cleared the guarantors account. File is missing the bank statements showing the funds cleared and the check/wire for the EMD. | Reviewer Comment (2026-04-06): Document provided Seller Comment (2026-04-03): See attached cancelled check copies of the borrower's deposit |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381442 | [Redacted] | [Redacted] | 36171001 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-13): Received Final Title Policy with policy amount [redacted]. Exception cleared. |
04/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225381442 | [Redacted] | [Redacted] | 36171004 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-13): Received Final Title Policy with policy amount [redacted]. Exception cleared. Buyer Comment (2026-04-10): final title upld |
04/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225381442 | [Redacted] | [Redacted] | 36171047 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-27): Sufficient Cure Provided At Closing |
03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225381442 | [Redacted] | [Redacted] | 36171048 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to [redacted] business days from transaction date of [redacted] | Disbursement date reflecting on Closing disclosure document is [redacted], prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-04-14): [redacted] and [redacted] with [redacted] disbursement date received. Buyer Comment (2026-04-10): final ss and pccd docs upld |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225381442 | [Redacted] | [Redacted] | 36177257 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA documentation for[redacted] [redacted] | Reviewer Comment (2026-04-29): Cleared. HOI is escrowed. Buyer Comment (2026-04-27): please cancel, the hoi policy was provided on [redacted] Reviewer Comment (2026-04-13): Received HOA Verification. Required supporting documents to verify other payments of [redacted]. Exception remains Buyer Comment (2026-04-10): no hoa lox upld |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225381448 | [Redacted] | [Redacted] | 36174010 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Full Fraud Report was not provided. | Reviewer Comment (2026-04-14): Received complete fraud report. Exception cleared. Buyer Comment (2026-04-10): Fraud |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381448 | [Redacted] | [Redacted] | 36175384 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage amount is not Covering the Loan amount. additional Coverage is Required in loan file. | Reviewer Comment (2026-04-24): Received Replacement cost estimator document. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-23): Confirmation of guaranteed replacement cost Reviewer Comment (2026-04-23): The provided hazard policy was already available at initial review. As per Doc [redacted] dwelling coverage is [redacted] which does not cover the loan amount, and we don't have any extended coverage or replacement cost estimator. Dwelling Coverage is insufficient by [redacted]. Please provide extended coverage or replacement cost estimator. Exception remains. Buyer Comment (2026-04-21): This is a refi so the current policy wouldn't have our mortgagee on it but we provided a binder that does show [redacted] as the new mortgagee , see [redacted] page [redacted]. The policy jacket shows replacement cost at current coverage Reviewer Comment (2026-04-14): Provided hazard insurance was a part of initial package which has the same coverage amount of [redacted] and mortgagee clause does not indicate lender as payee. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. Buyer Comment (2026-04-10): Policy jacket shows replacement cost at current coverage |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225381448 | [Redacted] | [Redacted] | 36192040 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted] month mortgage payment history for the subject property. | Reviewer Comment (2026-04-22): Received Credit supplement. Exception Cleared. Buyer Comment (2026-04-21): The credit supplement has [redacted] on the second page. This shows the [redacted] month history Reviewer Comment (2026-04-14): Provided credit supplement report does not have subject property's housing history details. Per final [redacted], lien which is getting paid off has account number [redacted]. Require [redacted] months housing history for the subject property. Exception remains. Buyer Comment (2026-04-10): [redacted]month history |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225382773 | [Redacted] | [Redacted] | 36174769 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. Provided E-sign Consent Agreement is reflecting pending status. | Reviewer Comment (2026-04-14): E-sign Consent Agreement document received and verified. Exception cleared Buyer Comment (2026-04-13): eConsent |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225382773 | [Redacted] | [Redacted] | 36174773 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | [redacted] initial Rate Lock document is missing in file. | Reviewer Comment (2026-04-14): Initial [redacted] Rate lock document received and verified. Exception cleared. Buyer Comment (2026-04-13): Lock |
04/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225382773 | [Redacted] | [Redacted] | 36174777 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-04-24): PCCD with cure, sent out today |
04/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225382773 | [Redacted] | [Redacted] | 36174778 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-14): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-13): See consummation CD at [redacted] page [redacted]. On the [redacted]page at the bottom is the cure already provided |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225382773 | [Redacted] | [Redacted] | 36193442 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | missing Insurance Verification | Reviewer Comment (2026-04-14): Insurance document is not required for LLC property transfer from the borrower. Exception cleared. Buyer Comment (2026-04-13): Not required as commercial property |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225382775 | [Redacted] | [Redacted] | 36170160 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-27): Sufficient Cure Provided At Closing |
03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225382775 | [Redacted] | [Redacted] | 36177929 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-23): Received [redacted] Rate Lock document, Exception Cleared. Buyer Comment (2026-04-21): Please see attached rate lock |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225386917 | [Redacted] | [Redacted] | 36178320 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-22): Initial [redacted] Rate Lock received. Exception cleared. Buyer Comment (2026-04-20): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225389773 | [Redacted] | [Redacted] | 36192226 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-15): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-14): Please see attached PCCD, Cover Letter, cure check copy and proof [redacted] delivered. Reviewer Comment (2026-04-24): [redacted] received updated CD date [redacted]. But, provided corresponding COC does not give sufficient information on why the rush fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the rush was requested to increase the fee and when lender became aware of the requirement. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-23): [redacted] is in file [redacted] however you are missing the corresponding CD dated [redacted], Please see attached. [redacted] was due to needing a rush on the appraisal. |
05/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225389773 | [Redacted] | [Redacted] | 36192622 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-24): Rate Lock document and associated. Exception cleared Buyer Comment (2026-04-23): Please see attached rate lock |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225389782 | [Redacted] | [Redacted] | 36189198 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | A Hazard Insurance Policy has been provided that will be effective on[redacted] and will start after the note / Disbursement date. | Reviewer Comment (2026-04-28): Hazard Insurance Policy with effective date of [redacted], cleared Buyer Comment (2026-04-27): Policy in place at closing |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225389784 | [Redacted] | [Redacted] | 36196006 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument, page [redacted] reflect Borrower is [redacted], Need Vesting. This will need to be completed/corrected and evidence of re-recording is required. | Reviewer Comment (2026-06-02): Received scriveners affidavit removing the need vesting language. Condition cleared. Buyer Comment (2026-05-29): scriveners affidavit/loi upld Reviewer Comment (2026-04-10): Need the vesting corrected on the SI Buyer Comment (2026-04-10): warranty deed upld to trl docs. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225389784 | [Redacted] | [Redacted] | 36196041 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The Deed transferring the property to the borrower was not located in the file. | Reviewer Comment (2026-04-10): Deed transferring the property to the borrower, cleared Buyer Comment (2026-04-10): deed upld |
04/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225390962 | [Redacted] | [Redacted] | 36194803 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-24): Rate lock document provided and associated. Exception cleared Buyer Comment (2026-04-23): Please see attached rate lock |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225403830 | [Redacted] | [Redacted] | 36192435 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date is [redacted] and note date is [redacted]. | Reviewer Comment (2026-05-15): Received Hazard Insurance Policy effective [redacted]. Exception cleared. Buyer Comment (2026-05-14): bound policy upld Reviewer Comment (2026-05-01): Borrower states the policy was bound on [redacted]. File would require evidence of this. Buyer Comment (2026-04-29): agent email upld / no claims |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225403934 | [Redacted] | [Redacted] | 36196959 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document is not provided. | Reviewer Comment (2026-04-14): Initial [redacted] Mortgage Rate lock document received and verified. Exception cleared. Buyer Comment (2026-04-13): locks upld |
04/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225403934 | [Redacted] | [Redacted] | 36196962 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year[redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-Escrowed Property Costs over Year [redacted] is not provided on final closing disclosure. | Reviewer Comment (2026-05-04): [redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-05-01): pccd docs upld to trl docs |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225403934 | [Redacted] | [Redacted] | 36196963 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to addition of Recording Fee. No valid COC provided, cure provided at closing. | Reviewer Comment (2026-04-14): [redacted]: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-13): please cancel, this was cured at closing on the final cd. |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225403934 | [Redacted] | [Redacted] | 36196964 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-05-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): pccd docs upld |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225403995 | [Redacted] | [Redacted] | 36198960 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial rate lock is missing in the file. | Reviewer Comment (2026-04-14): Received rate lock document. Exception cleared. Buyer Comment (2026-04-13): Lock |
04/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225403995 | [Redacted] | [Redacted] | 36198962 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-01): please see attached lox, pccd & refund check |
06/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225403995 | [Redacted] | [Redacted] | 36198963 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-01): please see attached lox, pccd & refund check |
06/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225403995 | [Redacted] | [Redacted] | 36204774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted] month mortgage pay history on the departure residence. | Reviewer Comment (2026-06-02): Received history and closing statement. Cleared. Buyer Comment (2026-05-29): please see attached VOM docs. primary\departing residence ([redacted] was refinanced on [redacted]. at that time, existing loan was with [redacted]. Since [redacted] refi, loan was transferred to [redacted] ([redacted] mtg statement is doc [redacted]. Attached is credit supplemental report showing [redacted] months VOM from [redacted] refi. Attached is the prior lien payoff statement from [Redacted] and copy of [redacted] refi CD showing it being paid off. Prior lien [redacted] is on credit report doc [redacted] page [redacted] as [redacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225404069 | [Redacted] | [Redacted] | 36200613 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution in file reflects different loan amount from subject loan amount. | Reviewer Comment (2026-05-12): Corporate resolution, cleared Buyer Comment (2026-05-12): revised consent upld |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225405133 | [Redacted] | [Redacted] | 36197887 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing | Reviewer Comment (2026-04-15): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-04-13): econsent upld |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225405133 | [Redacted] | [Redacted] | 36197976 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guideline maximum DTI is [redacted]%. However calculated DTI is [redacted] | Reviewer Comment (2026-04-15): Client elects to waive with compensating factors. Buyer Comment (2026-04-13): exception aprvl upld to trl docs |
04/15/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225405133 | [Redacted] | [Redacted] | 36197977 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline maximum DTI is [redacted]%. However calculated DTI is [redacted]% | Reviewer Comment (2026-04-15): Client elects to waive with compensating factors. Buyer Comment (2026-04-13): exception aprvl upld |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225405133 | [Redacted] | [Redacted] | 36197981 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or [redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]. no cure was provided to the borrower. | Reviewer Comment (2026-04-22): [redacted] received PCCD and LOE Buyer Comment (2026-04-21): pccd docs upld Reviewer Comment (2026-04-14): [redacted] received copy of final SS but as per final SS the several title and recording fees are different from what disclosed on final CD. Please provide a corrected PCCD reconciled as per final SS to re-evaluate the cure. A LOE to borrower is required to accompanying CD. Buyer Comment (2026-04-13): final ss upld (note final ss do not get signed in [redacted]), please recalculate the [redacted] fees and confirm updated total cure needed and we will proceed with a PCCD. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225405133 | [Redacted] | [Redacted] | 36206058 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-04-15): Client elects to waive with compensating factors. Buyer Comment (2026-04-13): exception aprvl upld to trl docs |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225405133 | [Redacted] | [Redacted] | 36206078 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-15): Client elects to waive with compensating factors. Reviewer Comment (2026-04-15): Received lender exception approval for dti aboe [redacted] on a primary residence purchase a [redacted]LTV. Buyer Comment (2026-04-13): exception aprvl upld to trl docs |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225405133 | [Redacted] | [Redacted] | 36286092 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for use of [redacted] prop [redacted] tax base in qualifying DTI. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-15): Client elects to waive with compensating factors. |
04/15/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225405186 | [Redacted] | [Redacted] | 36199103 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of[redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Reviewer Comment (2026-04-22): Client elects to waive. Buyer Comment (2026-04-21): APR change is less than [redacted] please waive condition. |
04/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 225405187 | [Redacted] | [Redacted] | 36199614 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI decrease due to higher negative rental income on investment property calculated by UW without documentation. | Reviewer Comment (2026-04-23): Updated 1008 received matching DTI of [redacted] Buyer Comment (2026-04-21): Please see attached. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225405188 | [Redacted] | [Redacted] | 36198846 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of employment is missing in file. | Reviewer Comment (2026-04-27): Received Third party verification of employment. Exception cleared. Buyer Comment (2026-04-24): Please see attached VVOE dated [redacted] |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225405188 | [Redacted] | [Redacted] | 36198847 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of employment is missing in file. | Reviewer Comment (2026-04-27): Received Third party verification of employment. Exception cleared. Buyer Comment (2026-04-24): Please see attached VVOE dated [redacted] |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225405188 | [Redacted] | [Redacted] | 36198870 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification(s) of employment is missing. | Reviewer Comment (2026-04-27): Received Third party verification of employment. Exception cleared. Buyer Comment (2026-04-24): Please see attached VVOEs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225405188 | [Redacted] | [Redacted] | 36198871 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is missing. | Reviewer Comment (2026-04-27): Received Third party verification of employment. Exception cleared. Buyer Comment (2026-04-24): Please see attached VVOEs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225405188 | [Redacted] | [Redacted] | 36198872 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is missing. | Reviewer Comment (2026-04-27): Received Third party verification of employment. Exception cleared. Buyer Comment (2026-04-24): Please see attached VVOEs |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225405188 | [Redacted] | [Redacted] | 36211455 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception [Redacted] Exception for Non-Warrantable Condo with Repairs. Branch is requesting a rush on this exception. Document not received. [redacted] form with borrower's name, address, unit number and [redacted] loan number. The HOA does not provide balance sheets to lenders. This was approved in January [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-02): Lender Exception with Compensating Factors provided. |
04/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225406200 | [Redacted] | [Redacted] | 36203475 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid COC for this fee, cure provided at closing. | Reviewer Comment (2026-05-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-30): Please see attached Cure check, Cover letter, PCCD and proof [redacted] delivered |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225406200 | [Redacted] | [Redacted] | 36214133 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] rate lock was not found in the file. COC provided for extension on [redacted] | Reviewer Comment (2026-04-28): Initial [redacted] Rate Lock received, exception cleared Buyer Comment (2026-04-24): Please see attached Rate lock |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225406449 | [Redacted] | [Redacted] | 36203325 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-05-15): UCDP SSR received. Buyer Comment (2026-05-13): ssr upld Reviewer Comment (2026-04-27): UCDP document required to validate CU scores. Exception remains Buyer Comment (2026-04-24): please cancel cancel, cu score is under [redacted], second valuation not required - cu score is [redacted] |
05/15/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225406449 | [Redacted] | [Redacted] | 36203344 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy is missing. | Reviewer Comment (2026-04-14): Received hazard policy. Exception cleared. Buyer Comment (2026-04-13): hoi upld |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225406449 | [Redacted] | [Redacted] | 36213454 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not found in file. | Reviewer Comment (2026-04-14): Received rate lock document. Exception cleared. Buyer Comment (2026-04-13): locks upld |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225407309 | [Redacted] | [Redacted] | 36204518 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-14): Received Title Final & associated. Exception cleared. |
05/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225407309 | [Redacted] | [Redacted] | 36204537 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] | Reviewer Comment (2026-05-01): Received UCDP Submission Report with Risk Score 1. Exception Cleared. Buyer Comment (2026-04-29): ssr's upld Reviewer Comment (2026-04-15): The CU score documentation is not loacted in the file. Buyer Comment (2026-04-13): please cancel, cu score is [redacted] , [redacted] valuation not required. |
05/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225407309 | [Redacted] | [Redacted] | 36204540 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign document is missing. | Reviewer Comment (2026-04-15): E-sign document received, exception cleared Buyer Comment (2026-04-13): econsent upld |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225407309 | [Redacted] | [Redacted] | 36214208 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-05-14): Received Title Final & coverage amount updated.. Exception cleared. Buyer Comment (2026-05-12): final policy upld |
05/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225409109 | [Redacted] | [Redacted] | 36203901 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved. Non-warrantable condo due to mandatory membership/recreation lease and investment concentration. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-28): Client elects to waive with compensating factors. Buyer Comment (2026-04-24): Please waive/clear/cancel as exception is in [redacted] |
04/28/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225409109 | [Redacted] | [Redacted] | 36215810 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent[redacted] month mortgage pay history for the[redacted]nd mortgage on the borrowers primary residence. | Reviewer Comment (2026-04-28): Newly opened loan, no payment made yet, exception cleared Buyer Comment (2026-04-24): The [redacted]mortgage is brand new opened [redacted], )see Note [redacted]and [redacted]). I have updated the 1003 to reflect the 2nd mortgaged tied to the Primary Home |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225411611 | [Redacted] | [Redacted] | 36216456 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider is not provided in file | Reviewer Comment (2026-05-04): [redacted] Received [redacted] |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | No Defined Cure | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225411611 | [Redacted] | [Redacted] | 36216457 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded Total amount of $[redacted] exceeds tolerance of $[redacted]due to Recording fees. No valid COC in file. | Reviewer Comment (2026-05-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-12): pccd docs upld Reviewer Comment (2026-05-04): [redacted] Received [redacted] and require cure amount is [redacted]. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-05-01): sspl upld Reviewer Comment (2026-04-30): [redacted] received LOX for rebuttal response. However, [redacted] is unable to determine from the file whether the borrower shopped for service. The file does not contain a "[redacted]". Tolerance category will be reevaluated when [redacted] is received. Buyer Comment (2026-04-29): rebuttal upld. |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225411611 | [Redacted] | [Redacted] | 36230898 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted]rate lock was not found in the file. | Reviewer Comment (2026-04-13): Initial [redacted] Rate Lock agreement received and verified. Exception cleared. Buyer Comment (2026-04-10): lock upld |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225412578 | [Redacted] | [Redacted] | 36215327 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock | Reviewer Comment (2026-04-27): Rate lock provided and associated. Exception cleared Buyer Comment (2026-04-24): Please see attached Rate lock |
04/27/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413741 | [Redacted] | [Redacted] | 36211105 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. | Hazard Insurance Policy Expiration Date is less than [redacted] days of the note Date and does not have automatic renewal. | Reviewer Comment (2026-05-18): Hazard Insurance Policy with [redacted] expiration, cleared Buyer Comment (2026-05-18): Current hazard |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225413741 | [Redacted] | [Redacted] | 36237059 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than[redacted]. | DSCR variance is within tolerance of [redacted]. | Reviewer Comment (2026-04-30): Cleared. Variance is within tolerance. Reviewer Comment (2026-04-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted] Bid Tape DSCR: [redacted] |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225413742 | [Redacted] | [Redacted] | 36206912 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI [redacted]%, Review DTI [redacted]%. Discrepancy is due to lender not including monthly P&I of $[redacted] for[redacted]nd home located at [redacted] in their DTI calculation. | Reviewer Comment (2026-05-01): Property-[redacted] is paid by third party considered under REO but not for ratio. DTI matched to [redacted] Buyer Comment (2026-04-29): Please see attached. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413742 | [Redacted] | [Redacted] | 36206977 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | ATR risk due to DTI variance. Lenders DTI [redacted]%, Review DTI [redacted]%. Discrepancy is due to lender not including monthly P&I of $[redacted] for[redacted]nd home located at [redacted] in their DTI calculation. | Reviewer Comment (2026-05-01): Property-[redacted] is paid by third party considered under REO but not for ratio. DTI matched to [redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413742 | [Redacted] | [Redacted] | 36206985 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI variance. Lenders DTI [redacted]%, Review DTI [redacted]%. Discrepancy is due to lender not including monthly P&I of $[redacted] for [redacted]nd home located at [redacted] in their DTI calculation. | Reviewer Comment (2026-05-01): Property-[redacted] is paid by third party considered under REO but not for ratio. DTI matched to [redacted] |
05/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413742 | [Redacted] | [Redacted] | 36206986 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to DTI variance. Lenders DTI [redacted]%, Review DTI [redacted]%. Discrepancy is due to lender not including monthly P&I of $[redacted] for [redacted]nd home located at [redacted] in their DTI calculation. | Reviewer Comment (2026-05-01): Property-[redacted] is paid by third party considered under REO but not for ratio. DTI matched to [redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413742 | [Redacted] | [Redacted] | 36206987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | ATR risk due to DTI variance. Lenders DTI [redacted]%, Review DTI [redacted]%. Discrepancy is due to lender not including monthly P&I of $[redacted] for [redacted]nd home located at [redacted] in their DTI calculation. | Reviewer Comment (2026-05-01): Property-[redacted] is paid by [redacted]party considered under REO but not for ratio. DTI matched to [redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413742 | [Redacted] | [Redacted] | 36206989 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413742 | [Redacted] | [Redacted] | 36206990 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |
04/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413755 | [Redacted] | [Redacted] | 36208055 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient, not covering the loan amount | Reviewer Comment (2026-05-06): Replacement Cost estimator provided and associated. Exception cleared Buyer Comment (2026-05-05): Please see attached which shows [redacted] replacement coverage. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225413755 | [Redacted] | [Redacted] | 36208304 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]0 over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-01): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-01): Please see attached. Reviewer Comment (2026-05-27): [redacted] does not support the lenders conclusion. Cure in the amount of [redacted] is required. The client argues that the Document Review fee in the amount of [redacted] should be included in the [redacted] tolerance baseline, which would then reduce the cure required. However, Reg Z does not support this conclusion. [redacted] states ...The requirements of § [redacted] o not apply if the creditor does not permit the consumer to shop consistent with §[redacted]...If a creditor permits a consumer to shop for a settlement service, [redacted] requires the creditor to identify settlement services required by the creditor for which the consumer is permitted to shop in the disclosures provided pursuant to [redacted] The document review fee, as noted in the provided screen shot, was not disclosed/identified in any LE or CD as shoppable, and as such would not be included in the baseline for calculation of the [redacted]% tolerance requirement. Finally, the fee name itself is Review Fee - Title document and is paid to a PLLC. The fee is not a title fee. Cure of the tolerance exception requires PCCD, LOE, Copy of refund check and proof of mailing. Reviewer Comment (2026-05-26): [redacted] do not agree with the rebuttal comment as Title - Document Preparation fee was disclosed under section B "borrower cannot shop for" so the fee will fall under 0% tolerance category and not under [redacted] . The [redacted] fees only contains Recording fee for which cure of [redacted] is required. Buyer Comment (2026-05-22): I have reviewed all of the figures, and it doesnt appear that you are calculating the Review Fee - Title Document ([redacted]). If you add that to our baseline, I would agree with a cure of [redacted]. Please confirm if you agree. Reviewer Comment (2026-05-06): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-05): Please see COC reason to clear condition. Reviewer Comment (2026-04-23): [redacted] received rebuttal, however we require valid [redacted] for increase of recording fee on LE dated [redacted]. [redacted] dated [redacted] available in file doesn't provide sufficient information why recording fee increased. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-04-22): Please review the [redacted] in file from [redacted] - At that time the rate was locked, which increased the transfer taxes. Please clear condition. |
06/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225413757 | [Redacted] | [Redacted] | 36210341 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted] | Reviewer Comment (2026-05-04): Received Final Title Policy. Exception Cleared. Buyer Comment (2026-04-30): Please see attached. |
05/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413757 | [Redacted] | [Redacted] | 36210344 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-04): Received Final Title Policy. Exception Cleared. |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225413757 | [Redacted] | [Redacted] | 36210355 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial [redacted] Rate Lock is missing in file. | Reviewer Comment (2026-04-27): Initial [redacted] rate lock is received and verified. Exception cleared. Buyer Comment (2026-04-23): Please see attached. |
04/27/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413757 | [Redacted] | [Redacted] | 36210359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Processing Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-26): [redacted] received PCCD, LOE and closing statement. Buyer Comment (2026-05-21): Please see attached. Reviewer Comment (2026-05-19): [redacted] received rebuttal and final CD, however fees are changed on PCCD as compared to final CD. Recording fee disclosed on CD dated [redacted] is $[redacted]and on PCCD dated [redacted]fee disclosed is $[redacted]. Please provide true & certified copy of final settlement statement to re-evaluate the exception. Buyer Comment (2026-05-18): Please see the attached final CD that was completed at closing. There are no other fees that were changed other than moving the fees from section c to h. Please review and clear condition. Reviewer Comment (2026-05-01): [redacted] received corrected PCCD and LOE moving the fee from section C to H. But along with this change there are several title and recording fee is also changed on PCCD. To finalize the fees we required a copy of true and certified final SS. Buyer Comment (2026-04-30): Please see attached. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413759 | [Redacted] | [Redacted] | 36208328 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-04-29): Received final title. Exception cleared. |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413759 | [Redacted] | [Redacted] | 36221208 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not found in file. | Reviewer Comment (2026-04-27): Received [redacted] Rate Lock. Exception Cleared. Buyer Comment (2026-04-23): Please see attached. |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413759 | [Redacted] | [Redacted] | 36221379 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-29): Received final title. Exception cleared. Buyer Comment (2026-04-27): Please see attached. |
04/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225413822 | [Redacted] | [Redacted] | 36209790 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | [redacted] rate lock agreement missing in file. | Reviewer Comment (2026-04-29): [redacted] inital rate lock received. Exception cleared Buyer Comment (2026-04-27): Please see attached. |
04/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413822 | [Redacted] | [Redacted] | 36221710 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Two months required statements not provided for asset accounts ending in #[Redacted], #[redacted], #[redacted], #[redacted], and #[redacted]. | Reviewer Comment (2026-05-21): [redacted] month missing bank statement received for accounts reported in Final [redacted], exception cleared. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413822 | [Redacted] | [Redacted] | 36221714 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Two months required statements not provided for asset accounts ending in #[Redacted], #[redacted], #[redacted], #[redacted], and #[redacted]. | Reviewer Comment (2026-05-21): [redacted]month missing bank statement received for accounts reported in Final [redacted], exception cleared. Buyer Comment (2026-05-19): [redacted]. Please clear. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413822 | [Redacted] | [Redacted] | 36221720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: two months required statements not provided for asset accounts ending in #[Redacted], #[redacted], #[redacted], #[redacted], and #[redacted] | Reviewer Comment (2026-05-21): [redacted] month missing bank statement received for accounts reported in Final [redacted], exception cleared. Buyer Comment (2026-05-19): [redacted]. Please clear. |
05/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413822 | [Redacted] | [Redacted] | 36221721 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing asset documentation: two months required statements not provided for asset accounts ending in #[Redacted], #[redacted], #[redacted], #[redacted], and #[redacted]. | Reviewer Comment (2026-05-21): [redacted] month missing bank statement received for accounts reported in Final [redacted], exception cleared. Buyer Comment (2026-05-19): [redacted]. Please clear. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413822 | [Redacted] | [Redacted] | 36221722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing asset documentation: two months required statements not provided for asset accounts ending in #[Redacted], #[redacted], #[redacted], #[redacted], and #[redacted]. | Reviewer Comment (2026-05-21): [redacted] month missing bank statement received for accounts reported in Final [redacted], exception cleared. Buyer Comment (2026-05-19): [redacted]. Please clear. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413958 | [Redacted] | [Redacted] | 36221789 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-28): Received [redacted] rate lock. Exception Cleared. Buyer Comment (2026-04-27): Please see attached Rate Lock |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225414130 | [Redacted] | [Redacted] | 36212923 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-04-17): Document received. Buyer Comment (2026-04-15): Hazard |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225414130 | [Redacted] | [Redacted] | 36230931 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-17): Document received. Buyer Comment (2026-04-15): lock |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225414130 | [Redacted] | [Redacted] | 36231081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds / Warranty / Grant / Quit-Claim was not found in file. | Reviewer Comment (2026-04-20): Received Warranty deed, exception cleared Buyer Comment (2026-04-16): Deed |
04/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225414972 | [Redacted] | [Redacted] | 36353925 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-28): Sufficient Cure Provided At Closing |
04/28/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225415514 | [Redacted] | [Redacted] | 36238348 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | A Mechanics lien is reflected on the title commitment. Evidence this has been satisfied/removed is required. | Reviewer Comment (2026-04-28): Per title report, no mechanics lien is not reflecting. Exception cleared. Buyer Comment (2026-04-27): Please clarify where you are seeing a Mechanics Lien on the title report. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225415577 | [Redacted] | [Redacted] | 36238182 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment reflects a mechanics lien. Evidence is required the lien has been released. | Reviewer Comment (2026-05-01): Cleared Buyer Comment (2026-04-29): Schedule B, Part [redacted], line [redacted] is not a [redacted] Lien, this is notification that title will get an [redacted] Lien Indemnification if there were any Mechanics Liens, which there are not. Please clear. Reviewer Comment (2026-04-29): Title Report Schedule B, Part [redacted], line [redacted] is reflecting [redacted] Lien which needs to be removed or released. Exception remains. Buyer Comment (2026-04-27): Please clarify where you are seeing a [redacted] Lien on the title report. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225417706 | [Redacted] | [Redacted] | 36216232 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Variation in DTI due to diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than[redacted]%, or one value is below[redacted] and the other is above [redacted], or one value is below [redacted] and the other is above [redacted]. | Reviewer Comment (2026-05-01): Updated [redacted]provided Buyer Comment (2026-04-29): Bid tape is incorrect and I don't have ability to change that. Please see updated [redacted]/[redacted]submitted [redacted] for accurate ratios. Reviewer Comment (2026-04-28): Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. New DTI [redacted]% Variance is more than [redacted]%,or one value is below [redacted]and the other is above [redacted], or one value is below [redacted]and the other is above [redacted]. Buyer Comment (2026-04-27): Please see attached updated [redacted]/[redacted]and AUS findings. Including Market rents of $[redacted]per appraisal bringing ratios to [redacted]% |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225417756 | [Redacted] | [Redacted] | 36238668 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | There are red flags on the fraud report that were not addressed. | Reviewer Comment (2026-04-22): Fraud report, cleared Buyer Comment (2026-04-22): Please see attached. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225418190 | [Redacted] | [Redacted] | 36231410 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guides, Statements used for Asset Depletion income must contain [redacted] months. All of the accounts with [redacted] only have [redacted] months in the file. The account with [redacted] bank also only has[redacted] months. | Reviewer Comment (2026-05-29): Only [redacted] accounts needed to asset qualifier, others were used for funds to close. Buyer Comment (2026-05-27): rebuttal upld |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225421580 | [Redacted] | [Redacted] | 36216878 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-02): Sufficient Cure Provided At Closing |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225421583 | [Redacted] | [Redacted] | 36217118 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was $[redacted] disclosed on initial LE but $[redacted]was disclosed on Closing disclosure. Sufficient Cure was provided on file. | Reviewer Comment (2026-04-02): Sufficient Cure Provided At Closing |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225421583 | [Redacted] | [Redacted] | 36217141 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy master policy is not provided in file | Reviewer Comment (2026-04-29): Received Hazard Insurance Master Policy. Exception cleared. Buyer Comment (2026-04-28): please cancel, master policy certificate if insurance was provided in initial file on [redacted] Reviewer Comment (2026-04-16): Received HO-[redacted] Policy. Required Hazard Insurance Master Policy. Exception remains Buyer Comment (2026-04-14): hoi pol upld |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225421644 | [Redacted] | [Redacted] | 36219413 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing in file. | Reviewer Comment (2026-05-01): Received rate lock. Condition cleared. Buyer Comment (2026-04-29): Please see attached Lock Form |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225421644 | [Redacted] | [Redacted] | 36219414 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Letter of explanation for overdraft and employment are not dated. | Reviewer Comment (2026-05-01): Received dated document. Condition cleared. Reviewer Comment (2026-05-01): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Borrower: [Redacted] // Employment Type: Employment / Income Type: Bank Statements / Start Date: [redacted]// Document: Other / Document Date: <empty> / Tax Year: <empty>, Borrower: [redacted][redacted]// Employment Type: Employment / Income Type: Bank Statements / Start Date: [redacted] // Document: Other / Document Date: <empty> / Tax Year: <empty> Buyer Comment (2026-04-29): Please see attached screen prints. Both LOE's were received and uploaded to our system on[redacted] and sent to closing to be signed at that time. We received the signed documents once we received the full signed closing package back from title/closing. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225421644 | [Redacted] | [Redacted] | 36219416 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Letter of explanation for overdraft and employment are not dated. | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. Buyer Comment (2026-04-29): Please see attached screen prints. Both LOE's were received and uploaded to our system on [redacted]and sent to closing to be signed at that time. We received the signed documents once we received the full signed closing package back from title/closing. |
05/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225421644 | [Redacted] | [Redacted] | 36219417 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] due to Letter of explanation for overdraft and employment are not dated. | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. Reviewer Comment (2026-05-01): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-04-29): Please see attached screen prints. Both LOE's were received and uploaded to our system on[redacted] and sent to closing to be signed at that time. We received the signed documents once we received the full signed closing package back from title/closing. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225421644 | [Redacted] | [Redacted] | 36219419 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-05): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-04): Please see attached Cure Check, PCCD, Cover Letter and proof delivered to borrower |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422086 | [Redacted] | [Redacted] | 36219562 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Unpaid tax lien of $[redacted] recorded and no proof of payment prior to or at closing. | Reviewer Comment (2026-04-30): Explanation received from lender. As per guidelines, Judgments and tax liens not on title may remain open regardless of whether they are on a repayment agreement. Tax liens also brought down under $[redacted]. Exception cleared. Buyer Comment (2026-04-29): Per guidelines: Judgments and liens that do not affect title may remain open regardless of whether they are on a repayment agreement. U/W notes: Tax liens are not reported on title report due to loan is vested in LLC however borrower has tax liens exceeding $[redacted]. Borrower to pay $[redacted]towards tax liens. Closer to insure total tax liens do not exceed $[redacted]. Per the final CD the borrower did pay $[redacted]on the tax lien so it was less than $[redacted] |
04/30/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422086 | [Redacted] | [Redacted] | 36219572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial closing disclosure dated [redacted] was not provided to the borrower at least[redacted]business days to the closing date. | Reviewer Comment (2026-05-07): [redacted]received initial CD. Buyer Comment (2026-05-06): Please see CD dated [redacted]provided to the borrower at least [redacted] days prior to closing and the APR change is less than [redacted] In addition I have provided an Attestation to omit the [redacted] CD from testing as this was not generated by [redacted] or disclosed to the borrower. Buyer Comment (2026-05-06): Please see CD dated [redacted]provided to the borrower at least [redacted]days prior to closing and the APR change is less than .[redacted]%. In addition I have provided an Attestation to omit the[redacted] CD from testing as this was not generated by [redacted] or disclosed to the borrower. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225422086 | [Redacted] | [Redacted] | 36235635 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-30): RAte lock received Buyer Comment (2026-04-29): Please see attached Lock Form |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422086 | [Redacted] | [Redacted] | 36240547 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Unpaid tax lien of $[redacted] recorded and no proof of payment prior to or at closing. | Reviewer Comment (2026-04-30): Explanation received from lender. As per guidelines, Judgments and tax liens not on title may remain open regardless of whether they are on a repayment agreement. Tax liens also brought down under $[redacted]. Exception cleared. |
04/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225422086 | [Redacted] | [Redacted] | 36240577 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]due to Unpaid tax lien of $[redacted] recorded and no proof of payment prior to or at closing. | Reviewer Comment (2026-04-30): Explanation received from lender. As per guidelines, Judgments and tax liens not on title may remain open regardless of whether they are on a repayment agreement. Tax liens also brought down under $[redacted]. Exception cleared. Buyer Comment (2026-04-29): [redacted]: Per guidelines: Judgments and liens that do not affect title may remain open regardless of whether they are on a repayment agreement. U/W notes: Tax liens are not reported on title report due to loan is vested in LLC however borrower has tax liens exceeding $[redacted]. Borrower to pay $[redacted]towards tax liens. Closer to ensure total tax liens do not exceed $[redacted]. Per the final CD the borrower did pay $[redacted]on the tax lien so it was less than $[redacted] |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422086 | [Redacted] | [Redacted] | 36240587 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to Unpaid tax lien of $[redacted] recorded and no proof of payment prior to or at closing. | Reviewer Comment (2026-04-30): Explanation received from lender. As per guidelines, Judgments and tax liens not on title may remain open regardless of whether they are on a repayment agreement. Tax liens also brought down under $[redacted]. Exception cleared. Buyer Comment (2026-04-29): [redacted]: Per guidelines: Judgments and liens that do not affect title may remain open regardless of whether they are on a repayment agreement. U/W notes: Tax liens are not reported on title report due to loan is vested in LLC however borrower has tax liens exceeding $[redacted]. Borrower to pay $[redacted] towards tax liens. Closer to ensure total tax liens do not exceed $[redacted]. Per the final CD the borrower did pay $[redacted]on the tax lien so it was less than $[redacted] |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422086 | [Redacted] | [Redacted] | 36240594 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Unpaid tax lien of $[redacted] recorded and no proof of payment prior to or at closing. | Reviewer Comment (2026-04-30): Explanation received from lender. As per guidelines, Judgments and tax liens not on title may remain open regardless of whether they are on a repayment agreement. Tax liens also brought down under $[redacted]. Exception cleared. Buyer Comment (2026-04-29): This is not an AUS/FNMA loan program Per guidelines: Judgments and liens that do not affect title may remain open regardless of whether they are on a repayment agreement. U/W notes: Tax liens are not reported on title report due to loan is vested in LLC however borrower has tax liens exceeding $[redacted]. Borrower to pay $[redacted]towards tax liens. Closer to ensure total tax liens do not exceed $[redacted]. Per the final CD the borrower did pay $[redacted]on the tax lien so it was less than $[redacted] |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422176 | [Redacted] | [Redacted] | 36216615 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Signed note document not provided. | Reviewer Comment (2026-04-30): Received Note with signed. Exception Cleared. Buyer Comment (2026-04-29): Please see attached copy of Note including signature page. |
04/30/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225422176 | [Redacted] | [Redacted] | 36216670 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR discrepancy due to Lender using current lease amount which is missing in file to qualify borrower. Market rent utilized by lender is also higher than reflected in source document. | Reviewer Comment (2026-04-17): Received [redacted]document. Exception cleared. Buyer Comment (2026-04-16): Please see Air DNA report associated with file. [redacted]/ [redacted]= [redacted]; [redacted]x [redacted]= [redacted]; [redacted]/ [redacted]= [redacted] Buyer Comment (2026-04-16): Air DNA |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225422419 | [Redacted] | [Redacted] | 36219370 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file | Reviewer Comment (2026-06-05): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-03): Please see attached. Reviewer Comment (2026-04-13): [redacted] received LOX for rebuttal response. But lender cure of $[redacted]was not provided in inner column of section J of final CD. Provide corrected CD and LOX with lender cure of $[redacted]in inner column of section J along with required copy of refund check and mailing label to cure this exception. Otherwise provide corrected CD with lender cure, LOX and final settlement statement to verify the lender credit applied for the same to clear this exception. Buyer Comment (2026-04-09): Please see attached [redacted] showing where the credit was given on [redacted] |
06/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422509 | [Redacted] | [Redacted] | 36297261 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy - DSCR | Reviewer Comment (2026-04-20): Received the updated tax certificate document. The current year tax amount has been updated. The DSCR discrepancy has been resolved. Exception Cleared. Buyer Comment (2026-04-16): Please see rebuttal and current tax year amount. |
04/20/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225422524 | [Redacted] | [Redacted] | 36219564 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial rate lock date was not provided. | Reviewer Comment (2026-04-16): Rate lock document provided and associated. Exception cleared Buyer Comment (2026-04-15): lock |
04/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422524 | [Redacted] | [Redacted] | 36219578 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Erroneous exception: Lenders DTI of [redacted]% is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-04-28): The bid tape has been updated. Reviewer Comment (2026-04-16): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-04-15): DTI is [redacted]% , updated [redacted]/[redacted] |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422524 | [Redacted] | [Redacted] | 36219580 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to erroneous DTI exception: Lenders DTI of [redacted]% is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-04-28): The bid tape has been updated. |
04/28/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225422524 | [Redacted] | [Redacted] | 36219581 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to erroneous DTI exception: Lenders DTI of [redacted]% is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-04-28): The bid tape has been updated. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422525 | [Redacted] | [Redacted] | 36236355 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | REO property [redacted] is missing Tax & Insurance verification documents in file. | Reviewer Comment (2026-05-01): As per provided Closing disclosure tax and insurance are escrowed, exception cleared Buyer Comment (2026-04-29): Purchase Transaction closed [redacted] - PITI [redacted]- Loan is reporting on Credit Report ([redacted]) Under [redacted] Svcing (servicing was sold from [redacted]to [redacted] Servicing). See CD ([redacted]) from the purchase transaction to confirm tax and insurance are included in the payment being reported on the Credit Report. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225422527 | [Redacted] | [Redacted] | 36219456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): pccd docs upld Reviewer Comment (2026-04-16): [redacted]received updated [redacted]dated [redacted] indicates that the appraiser increased the fee due to included inspection of gust house in-law suite". However, [redacted]also required additional information on why this was not included in the initial appraisal review and was added on revised LE dated[redacted] and to provide supporting information on when lender become aware of the property is required to inspection gust house in-law suite as well or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-04-15): coc details/invoice for aprsl increase upld |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422527 | [Redacted] | [Redacted] | 36236610 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted]rate lock was not found in the file. | Reviewer Comment (2026-04-16): Rate lock document provided and associated. Exception cleared Buyer Comment (2026-04-15): locks upld |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225422531 | [Redacted] | [Redacted] | 36222137 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | r Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225422534 | [Redacted] | [Redacted] | 36219320 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Buyer Comment (2026-04-20): per CNR |
04/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225422534 | [Redacted] | [Redacted] | 36219321 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of[redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate[redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. | Buyer Comment (2026-04-20): per CNR |
04/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422534 | [Redacted] | [Redacted] | 36219323 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure disclosed an amount financed of $[redacted] compared to the calculated amount financed of $[redacted], there is a variance of $[redacted]. | Reviewer Comment (2026-04-27): [redacted]received lender attestation that title-tax cert is one time fee, not life of loan Buyer Comment (2026-04-24): Rebuttal |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422534 | [Redacted] | [Redacted] | 36219324 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page[redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted] Due Diligence Finance Charges are $[redacted]. There is a variance of $[redacted] | Reviewer Comment (2026-04-27): [redacted]received lender attestation that title-tax cert is one time fee, not life of loan Buyer Comment (2026-04-24): See rebuttal |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422534 | [Redacted] | [Redacted] | 36219325 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-02): Sufficient Cure Provided At Closing |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225422534 | [Redacted] | [Redacted] | 36240003 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not found in file. | Reviewer Comment (2026-04-20): Rate lock received and associated. Exception cleared. Buyer Comment (2026-04-16): Lock |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225422644 | [Redacted] | [Redacted] | 36248849 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted]was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan estimate was electronically provided [redacted] while the E agreement was created [redacted] | Reviewer Comment (2026-05-01): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-04-30): Please see attached screen print showing borrower agreed to eConsent on[redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422644 | [Redacted] | [Redacted] | 36248850 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |
04/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225422735 | [Redacted] | [Redacted] | 36216881 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or lender cure was provided for the increase in[redacted]% Tolerance Fees. | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): pccd docs upld Reviewer Comment (2026-04-27): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) Reviewer Comment (2026-04-27): [redacted]received COC dated [redacted] but the fee was again increased to $[redacted]on CD dated [redacted]. The COC in file dated [redacted] does not have reason as to why the Discount Points were increased. Please provide [redacted] or cure would be due to borrower. Buyer Comment (2026-04-23): coc details upld |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422735 | [Redacted] | [Redacted] | 36216882 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] No valid COC or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): pccd docs upld to trl docs |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422756 | [Redacted] | [Redacted] | 36222227 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-14): Received Final Title policy. Exception Cleared. |
04/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225422756 | [Redacted] | [Redacted] | 36222292 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal not provided. | Reviewer Comment (2026-04-10): Appraisal report received in file. Exception Cleared. Seller Comment (2026-04-09): Appraisal report |
04/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225422756 | [Redacted] | [Redacted] | 36222298 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-04-10): Disaster end date is [redacted]. Received appraisal dated [redacted]. Exception Cleared. Seller Comment (2026-04-09): Property not in a flood zone area |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225422756 | [Redacted] | [Redacted] | 36222302 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-04-10): Appraisal report received in file. Exception Cleared. Seller Comment (2026-04-09): Appraisal with Invoice & CDA |
04/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225422756 | [Redacted] | [Redacted] | 36222423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Final lender credit of $[redacted] exceeded the allowable tolerance of $[redacted], and no cure was provided to the borrower. | Reviewer Comment (2026-04-10): [redacted]received valid COC document Seller Comment (2026-04-09): Attached is the COC at docs |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225422756 | [Redacted] | [Redacted] | 36251722 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-14): Received Final Title policy. Exception Cleared. Seller Comment (2026-04-13): FINAL POLICY |
04/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225422758 | [Redacted] | [Redacted] | 36232892 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-04-10): Security Instrument - Subject Lien document received and verified. Exception cleared. Seller Comment (2026-04-09): mortgage |
04/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225422772 | [Redacted] | [Redacted] | 36219806 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Asset document is missing for the bridge loan of $[redacted]in file. | Reviewer Comment (2026-05-04): Final CD received for Bridge Loan and same are updated. Exception Cleared. Buyer Comment (2026-05-01): Please see attached CD for the Bridge loan |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422772 | [Redacted] | [Redacted] | 36219816 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Asset document is missing for the bridge loan of $[redacted]. | Reviewer Comment (2026-05-04): Final CD received for Bridge Loan and same are updated. Exception Cleared. Buyer Comment (2026-05-01): Please see attached CD for the Bridge loan |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422772 | [Redacted] | [Redacted] | 36219826 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to asset document is missing for the bridge loan of $[redacted]in file. | Reviewer Comment (2026-05-04): Final CD received for Bridge Loan and same are updated. Exception Cleared. Buyer Comment (2026-05-01): Please see attached CD for the Bridge loan |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422772 | [Redacted] | [Redacted] | 36251707 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-04): Final CD received for Bridge Loan and same are updated. Exception Cleared. Buyer Comment (2026-05-01): This should be due to missing bridge loan verification. Please see attached, If not, please clarify what is triggering this. |
05/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225422774 | [Redacted] | [Redacted] | 36219635 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted] Provide updated policy reflecting minimum coverage of $[redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-27): Received RCE document, exception cleared Buyer Comment (2026-04-24): RCE |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225422774 | [Redacted] | [Redacted] | 36219637 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title-Municipal Lien Certificate Fee(MLC) was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file | Reviewer Comment (2026-04-27): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-24): PCCD with cure |
04/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422869 | [Redacted] | [Redacted] | 36220229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. No Valid Change circumstance in file. | Reviewer Comment (2026-05-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): pccd docs upld |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225422869 | [Redacted] | [Redacted] | 36251869 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock missing in file. | Reviewer Comment (2026-04-24): Received rate lock document, Exception cleared. Buyer Comment (2026-04-23): locks upld |
04/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225422876 | [Redacted] | [Redacted] | 36219766 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Required sufficient Asset to cover reserves. | Reviewer Comment (2026-04-30): Business account, cleared Buyer Comment (2026-04-29): Please see attached missing bank statements for account listed on [redacted]with [Redacted] #[redacted]along with proof of ownership of business/access to funds. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225422902 | [Redacted] | [Redacted] | 36233458 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225422902 | [Redacted] | [Redacted] | 36257957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-05-05): Rate lock received. Buyer Comment (2026-05-01): [redacted]: Please see attached rate lock |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422904 | [Redacted] | [Redacted] | 36255506 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-20): Received Rate Lock document. Exception cleared. Buyer Comment (2026-04-16): Lock |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225422906 | [Redacted] | [Redacted] | 36222113 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Updated as per Guideline. | Reviewer Comment (2026-05-19): Updated [redacted]provided DTI [redacted]% Buyer Comment (2026-05-15): [redacted] [redacted]Sent request for bid tape Update. Reviewer Comment (2026-05-04): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-05-01): : Please see updated [redacted]/[redacted]with corrected qualifying rate. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225422906 | [Redacted] | [Redacted] | 36222150 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM loan program disclosure not provided to the borrower within ([redacted]) days of application. | Reviewer Comment (2026-05-05): Loan was changed from fixed to arm after rate lock. Exception cleared. Buyer Comment (2026-05-01): Please note the initial LE ([redacted]) is floating as a fixed rate loan. When loan locked on LE dated[redacted] it changed to an ARM. The ARM Disclosure was issued [redacted] and signed [redacted] which confirms borrower received the disclosure within [redacted]days of the program change. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225422906 | [Redacted] | [Redacted] | 36222293 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation as per guideline. | Reviewer Comment (2026-05-19): Updated [redacted]provided Buyer Comment (2026-05-15): [redacted][redacted]sent request for Bid Tape update. Reviewer Comment (2026-05-04): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-05-01): Please clarify or clear. |
05/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225422906 | [Redacted] | [Redacted] | 36222295 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan Designation as per guideline. | Reviewer Comment (2026-05-19): Updated [redacted]provided Reviewer Comment (2026-05-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-15): [redacted][redacted] sent request for Bid Tape update. Reviewer Comment (2026-05-04): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-05-01): Please clarify or clear. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225422907 | [Redacted] | [Redacted] | 36222109 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for primary residence. | Reviewer Comment (2026-04-24): Available Mortgage Statement of REO property "Address: [redacted]" , information validated. Exception Cleared. Buyer Comment (2026-04-22): statement is on [redacted] |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 225422907 | [Redacted] | [Redacted] | 36222524 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted] does not match calculated P&I of $[redacted]. Note P&I was used for the APR calculation and compliance testing. | Reviewer Comment (2026-06-03): Received revised correct note document, information re-validated P&I matches. Exception Cleared. Buyer Comment (2026-06-01): revised re-signed note and amortization schedule upld Reviewer Comment (2026-05-27): Received scriveners affidavit for correcting the Security Instrument maturity date, however the note maturity date remains incorrect, causing the mismatch P&I payment. Buyer Comment (2026-05-22): scriveners aff and loi upld Reviewer Comment (2026-05-14): UPDATE: Received the PCCD and evidence of borrower's receipt. The issue is the term on the note. Based on the first payment date of [redacted] and the maturity date of [redacted] the term is at [redacted]which is causing the P&I discrepancy. Buyer Comment (2026-05-12): additional proof sent to bwr upld Reviewer Comment (2026-05-04): Data cannot be verified from the document which is provided, exception remains. Buyer Comment (2026-04-30): proof dent to bwr upld Reviewer Comment (2026-04-24): Proof of delivery of the PCCD with a verification date was not provided. Buyer Comment (2026-04-22): pccd docs upld |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 225422907 | [Redacted] | [Redacted] | 36255649 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-24): Received [redacted]Rate Lock document, Exception Cleared. Buyer Comment (2026-04-22): locks upld |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 225422907 | [Redacted] | [Redacted] | 36583966 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. | Received scriveners affidavit for correcting the Security Instrument maturity date, however the note maturity date remains incorrect, causing the mismatch P&I payment. | Reviewer Comment (2026-06-03): Received [redacted]Affidavit document confirming maturity date changed from [redacted] to [redacted] & it is matches with note document. Exception Cleared. Buyer Comment (2026-06-01): re-signed note/amortization schedule upld to trl docs |
06/03/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | B | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225422909 | [Redacted] | [Redacted] | 36220047 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage $[redacted] is less than Original Loan Amount $[redacted] | Reviewer Comment (2026-05-15): Received Final Title policy with policy amount of [redacted]. Exception Cleared Buyer Comment (2026-05-13): Please see attached. |
05/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225422909 | [Redacted] | [Redacted] | 36220050 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy is missing in the file. | Reviewer Comment (2026-05-15): Final title policy received. Exception Cleared. |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225422909 | [Redacted] | [Redacted] | 36252068 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Bid Tape DTI exceeds [redacted]% | Reviewer Comment (2026-04-29): Received updated [redacted]. which matches Lender qualified DTI. Exception Cleared. Buyer Comment (2026-04-27): Please see attached. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225423952 | [Redacted] | [Redacted] | 36221735 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |
04/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225423952 | [Redacted] | [Redacted] | 36255429 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted]Rate Lock was not found in file. | Reviewer Comment (2026-04-20): Received Rate Lock, exception cleared Buyer Comment (2026-04-16): lock |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225423954 | [Redacted] | [Redacted] | 36220338 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-20): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-04-16): eConsent |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225423954 | [Redacted] | [Redacted] | 36220342 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing | Reviewer Comment (2026-04-20): Received Hazard Insurance Policy, exception cleared Buyer Comment (2026-04-16): Hazard |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225423954 | [Redacted] | [Redacted] | 36220865 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-04-20): Received Rate Lock, exception cleared Buyer Comment (2026-04-16): Lock |
04/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225423954 | [Redacted] | [Redacted] | 36220890 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $ [redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-02): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-06-01): please see attached email from title company, lox & pccd. title confirmed the survey fee was needed for the title insurance policy endorsement. pccd moving fee to section h. please remove from your calculations. Reviewer Comment (2026-05-28): [redacted] No New Document received for the fee added. The Survey fee was not disclosed on latest LE, so we need attestation comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. Reviewer Comment (2026-05-27): [redacted]is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-27): please remove the survey fee from your your zero tolerance calculations. the borrower used a third party not listed on the SSPL making it a shoppable fee |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225423954 | [Redacted] | [Redacted] | 36257027 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Hazard insurance not in file. | Reviewer Comment (2026-05-11): Cleaered. Received hazard policy. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225423954 | [Redacted] | [Redacted] | 36601149 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Receipt of an increased invoice is insufficient reason for an increased fee. | Reviewer Comment (2026-06-03): [redacted] received valid COC document Buyer Comment (2026-06-02): apologies... please see [redacted] ICD COC doc [redacted] stating appraisal fee was increased to match transferred appraisal invoice that was paid prior to transfer to [redacted]. Appraisal transfer letter is doc [redacted]page [redacted]and appraisal invoice is doc [redacted]page [redacted]. Invoice lists prior lender and is dated [redacted]. Appraisal transfer letter dated after that on [redacted] Reviewer Comment (2026-06-02): [redacted]received LOX and PCCD for the survey fee exceeds tolerance limit, but it does not give sufficient information on reason for the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-01): please see attached email from title company, lox & pccd. title confirmed the survey fee was needed for the title insurance policy endorsement. pccd moving fee to section h. please remove from your calculations. |
06/03/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225424120 | [Redacted] | [Redacted] | 36255167 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-05-04): Rate lock received and associated. Exception cleared. Buyer Comment (2026-05-01): Please see attached rate lock |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225426288 | [Redacted] | [Redacted] | 36232644 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets are insufficient to cover cash from borrower | Reviewer Comment (2026-04-29): Received the additional bank statement. The borrower's cash requirement has been met. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-28): Please see attached asset statements which show total assets in the amount of $[redacted]which is enough for the cash to close. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225426288 | [Redacted] | [Redacted] | 36232681 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of[redacted]. | Reviewer Comment (2026-04-29): Received the additional bank statement. The reserves requirement has been met. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-28): The amount remaining after the cash to close is $[redacted]. With this amount, this is over the required [redacted] months conditions. Please clear condition. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225426520 | [Redacted] | [Redacted] | 36232491 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Agreement is missing in file. | Reviewer Comment (2026-04-28): Received Rate Lock document. Exception cleared. Buyer Comment (2026-04-27): lock |
04/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225426520 | [Redacted] | [Redacted] | 36257582 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA letter does not meet the guideline requirment. Missing the length of self-employment, and that the business/Applicant are active and/or in good standing as may be the case per state reporting. | Reviewer Comment (2026-04-20): Although the CPA letter did not contain all required elements, alternative documentation was provided. The Secretary of State printout confirms business name, formation date, and active/good standing status. Ownership percentage is confirmed via CPA letter. All self-employment verification requirements are met per guidelines. Exception Cleared. Buyer Comment (2026-04-16): Please see business SOS look up that includes all information , [redacted]page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225426520 | [Redacted] | [Redacted] | 36257593 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to CPA letter does not meet the guideline requirement. Missing the length of self-employment, and that the business/Applicant are active and/or in good standing as may be the case per state reporting. | Reviewer Comment (2026-04-20): Although the CPA letter did not contain all required elements, alternative documentation was provided. The Secretary of State printout confirms business name, formation date, and active/good standing status. Ownership percentage is confirmed via CPA letter. All self-employment verification requirements are met per guidelines. Exception Cleared. Buyer Comment (2026-04-16): Please see business SOS look up that includes all information , [redacted]page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225426520 | [Redacted] | [Redacted] | 36257596 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to CPA letter does not meet the guideline requirement. Missing the length of self-employment, and that the business/Applicant are active and/or in good standing as may be the case per state reporting. | Reviewer Comment (2026-04-20): Although the CPA letter did not contain all required elements, alternative documentation was provided. The Secretary of State printout confirms business name, formation date, and active/good standing status. Ownership percentage is confirmed via CPA letter. All self-employment verification requirements are met per guidelines. Exception Cleared. Buyer Comment (2026-04-16): Please see business SOS look up that includes all information , [redacted]page [redacted] |
04/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225426520 | [Redacted] | [Redacted] | 36257597 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to CPA letter does not meet the guideline requirement. Missing the length of self-employment, and that the business/Applicant are active and/or in good standing as may be the case per state reporting. | Reviewer Comment (2026-04-20): Although the CPA letter did not contain all required elements, alternative documentation was provided. The Secretary of State printout confirms business name, formation date, and active/good standing status. Ownership percentage is confirmed via CPA letter. All self-employment verification requirements are met per guidelines. Exception Cleared. Buyer Comment (2026-04-16): Please see business SOS look up that includes all information , [redacted]page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225426520 | [Redacted] | [Redacted] | 36257598 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to CPA letter does not meet the guideline requirement. Missing the length of self-employment, and that the business/Applicant are active and/or in good standing as may be the case per state reporting. | Reviewer Comment (2026-04-20): Although the CPA letter did not contain all required elements, alternative documentation was provided. The Secretary of State printout confirms business name, formation date, and active/good standing status. Ownership percentage is confirmed via CPA letter. All self-employment verification requirements are met per guidelines. Exception Cleared. Buyer Comment (2026-04-16): Please see business SOS look up that includes all information , [redacted]page [redacted] |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225426523 | [Redacted] | [Redacted] | 36232690 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document was not found in file. | Reviewer Comment (2026-05-01): Insurance Verification received and associated. Exception cleared. Buyer Comment (2026-04-29): hoi upld |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225426523 | [Redacted] | [Redacted] | 36232724 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-30): [redacted]: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-29): please disregard the coc details, this was actually cured at closing on the final cd, section j. Reviewer Comment (2026-04-23): [redacted] received a COC for adding the appraisal fee; however, per the file, the appraisal delivery date is [redacted], while the fee was added on the final CD dated [redacted]. Additionally, the COC provided does not include the change date. Please provide an updated COC that includes the change date, along with supporting documentation to substantiate the timeline and confirm that the borrower received the revised CD within three business days of the date the change was received. Buyer Comment (2026-04-22): coc details upld |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225426523 | [Redacted] | [Redacted] | 36370693 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225427368 | [Redacted] | [Redacted] | 36233430 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Income calculated for base Income as per paystub, Employer contract agreement and Third-Party Income does not match with final 1003 and 1008. | Reviewer Comment (2026-06-02): Updated [redacted], [redacted]received,[redacted] updated. Buyer Comment (2026-05-29): Please clear as [redacted] has been updated. Reviewer Comment (2026-05-21): Received updated UW worksheet, [redacted], and [redacted]. The exception will be re-reviewed upon receipt of the updated bit tape. Reviewer Comment (2026-05-21): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-05-19): Please see updated Passive income worksheet removing EMD funds, now with income of $[redacted], new [redacted]/[redacted]. Ratios [redacted]. Sent request to update Bid Tape. Reviewer Comment (2026-05-04): The source of funds for the EMD is not located in the file. The available for income amount used for passive income for assets is greater than the assets remaining after closing. Buyer Comment (2026-05-01): Please see attached updated [redacted]/[redacted]with corrected income plus passive income worksheet. Base wages $[redacted]+Bonus $[redacted]. In addition, I have included a passive income worksheet to use the other income listed on the [redacted]of $[redacted]/mo. When using the base + bonus and the passive income, this brings the ratios to [redacted]%. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225427368 | [Redacted] | [Redacted] | 36233435 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Income calculated for base Income as per paystub, Employer contract agreement and Third-Party Income does not match with final 1003 and 1008. | Reviewer Comment (2026-06-02): Updated [redacted], [redacted]received, [redacted]updated. Buyer Comment (2026-05-29): Please clear as [redacted]has been updated. Reviewer Comment (2026-05-21): Received updated UW worksheet, [redacted], and [redacted]. The exception will be re-reviewed upon receipt of the updated bit tape. Buyer Comment (2026-05-19): Please see updated Passive income worksheet removing EMD funds, now with income of $[redacted], new [redacted]/[redacted]. Ratios [redacted]. Sent request to update Bid Tape. Reviewer Comment (2026-05-04): Please provided he source of funds for the EMD. The available for income amount used for passive income for assets is greater than the assets remaining after closing. Buyer Comment (2026-05-01): Please see attached updated [redacted]/[redacted]with corrected income plus passive income worksheet. Base wages $[redacted]+Bonus $[redacted]. In addition I have included a passive income worksheet to use the other income listed on the [redacted]of $[redacted]/mo. When using the base + bonus and the passive income, this brings the ratios to [redacted]%. |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225427368 | [Redacted] | [Redacted] | 36233436 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Income calculated for base Income as per paystub, Employer contract agreement and Third-Party Income does not match with final 1003 and 1008. | Reviewer Comment (2026-06-02): Updated [redacted], [redacted]received,[redacted] updated. Buyer Comment (2026-05-29): Please clear as [redacted] has been updated. Reviewer Comment (2026-05-21): Received updated UW worksheet, [redacted], and [redacted]. The exception will be re-reviewed upon receipt of the updated bit tape. Reviewer Comment (2026-05-21): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-19): Please see updated Passive income worksheet removing EMD funds, now with income of $[redacted], new [redacted]/[redacted]. Ratios [redacted]. Sent request to update Bid Tape. Reviewer Comment (2026-05-04): Please provided he source of funds for the EMD. The available for income amount used for passive income for assets is greater than the assets remaining after closing. Buyer Comment (2026-05-01): Please see attached updated [redacted]/[redacted] with corrected income plus passive income worksheet. Base wages $[redacted]+Bonus $[redacted]. In addition I have included a passive income worksheet to use the other income listed on the [redacted]of $[redacted]/mo. When using the base + bonus and the passive income, this brings the ratios to [redacted]%. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427368 | [Redacted] | [Redacted] | 36233460 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Initial [redacted] Rate Lock Missing in loan file. | Reviewer Comment (2026-05-04): Cleared. Received rate lock Buyer Comment (2026-05-01): Please see attached rate lock |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225427368 | [Redacted] | [Redacted] | 36395468 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | The source of funds for the EMD is not located in the file. | Reviewer Comment (2026-05-21): Cleared. Received updated UW worksheet, [redacted], and [redacted]removing EMD. Buyer Comment (2026-05-19): Please see updated Passive income worksheet removing EMD funds, now with income of $[redacted], new [redacted]/[redacted]. Ratios [redacted]. Sent request to update Bid Tape. |
05/21/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225427469 | [Redacted] | [Redacted] | 36233324 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] rate lock was not found in file. | Reviewer Comment (2026-05-01): Cleared. Received rate lock. Buyer Comment (2026-04-30): Pease see attached rate lock |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225427555 | [Redacted] | [Redacted] | 36233555 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing third party verification of self employment dated within [redacted] business days of closing. | Reviewer Comment (2026-04-21): Signed and dated [redacted]'s received for co-borrower. Exception cleared. Buyer Comment (2026-04-20): VOE |
04/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225427555 | [Redacted] | [Redacted] | 36233556 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule B | Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. | Require [redacted] months bank statement for Interest and Dividend income. | Reviewer Comment (2026-04-21): Signed and dated [redacted]'s received for co-borrower. Exception cleared. Buyer Comment (2026-04-20): AUS says statements or [redacted] years tax returns which is what we provided |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427555 | [Redacted] | [Redacted] | 36233557 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing third party verification of self employment dated within [redacted] business days of closing. | Reviewer Comment (2026-04-21): Signed and dated [redacted]'s received for co-borrower. Exception cleared. |
04/21/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427555 | [Redacted] | [Redacted] | 36257704 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | File is missing pages [redacted] of final 1003. | Reviewer Comment (2026-04-21): Corrected Final [redacted] received. Exception cleared. Buyer Comment (2026-04-20): [redacted] |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225427555 | [Redacted] | [Redacted] | 36258077 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225427569 | [Redacted] | [Redacted] | 36233505 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-24): Rate lock document provided and associated. Exception cleared Buyer Comment (2026-04-23): locks upld |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | A | D | A | A | A | B | A | Non QM | Non QM | No | |||||||||||
| 225427569 | [Redacted] | [Redacted] | 36257742 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal transfer to [redacted] was not found in file. | Reviewer Comment (2026-04-24): Appraisal transfer letter is available in file. Exception cleared Buyer Comment (2026-04-23): please cancel, transfer letter is on [redacted] |
04/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | A | D | A | A | A | B | A | Non QM | Non QM | No | ||||||||||
| 225427574 | [Redacted] | [Redacted] | 36233372 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225427574 | [Redacted] | [Redacted] | 36257683 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-22): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-20): lock |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225427575 | [Redacted] | [Redacted] | 36233501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): pccd docs upld |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225427626 | [Redacted] | [Redacted] | 36224220 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock is not provided. | Reviewer Comment (2026-04-22): Received Rate Lock, exception cleared Buyer Comment (2026-04-21): Lock |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427626 | [Redacted] | [Redacted] | 36224221 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Application date was [redacted] and Loan Estimate was issued [redacted] | Reviewer Comment (2026-04-22): [redacted]received e-consent dated [redacted] Buyer Comment (2026-04-21): eConsent Reviewer Comment (2026-04-16): UPDATE: The exception is addressing the missing initial e-consent. |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427626 | [Redacted] | [Redacted] | 36224223 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-04-22): [redacted]received valid COC document Buyer Comment (2026-04-21): RCD with COC |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225427626 | [Redacted] | [Redacted] | 36224224 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-04-22): [redacted]received valid COC document Buyer Comment (2026-04-21): RCD with COC |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225427626 | [Redacted] | [Redacted] | 36224225 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-04-22): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-04-21): See consummation CD[redacted] page [redacted], page [redacted] at the bottom, there is a credit already |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225427626 | [Redacted] | [Redacted] | 36258398 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missning copy of mortgage statement for property located at [redacted] | Reviewer Comment (2026-05-08): Received Tax Verification and Insurance Verification. Exception cleared. Buyer Comment (2026-05-07): T&I Reviewer Comment (2026-04-29): As per received Closing Disclosure mortgage payments are not escrowed. Required Tax Verification and supporting documents to verify payments of $[redacted]. Exception remains Buyer Comment (2026-04-28): CD for refi Reviewer Comment (2026-04-22): Require mortgage statement for property located at [redacted], Exception Remains Buyer Comment (2026-04-21): Statement |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225427626 | [Redacted] | [Redacted] | 36297657 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the updated credit report. | Reviewer Comment (2026-04-16): Received updated credit. Cleared. Buyer Comment (2026-04-16): Please see attached most recent Credit Report for FICO discrepancy. |
04/16/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225427626 | [Redacted] | [Redacted] | 36320792 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient provided at closing | Reviewer Comment (2026-04-22): Sufficient Cure Provided At Closing |
04/22/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225427953 | [Redacted] | [Redacted] | 36234072 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy is missing in the file. | Reviewer Comment (2026-06-02): LOE provided [redacted]. Buyer Comment (2026-05-29): Please see u/w explanation provided in trailing docs along with elevation cert for ability to waive the required flood insurance as the improvements are at a higher elevation. Flood insurance has been waived for this reason. Reviewer Comment (2026-05-08): Missing Flood cert showing Coverage amount and Premium Buyer Comment (2026-05-06): Please see elevation certificate [redacted] and attached correspondence with u/w. Flood insurance was able to be waived based on elevation certificate. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225427953 | [Redacted] | [Redacted] | 36256247 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-05-04): Received clear OFAC search for business entity. Exception cleared. Buyer Comment (2026-05-01): Please see attached report with OFAC rating on Business Entity |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225428264 | [Redacted] | [Redacted] | 36233743 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-23): E-Sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-04-22): proof econsent accepted upld |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428264 | [Redacted] | [Redacted] | 36233755 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing for [redacted] Cimarron. | Reviewer Comment (2026-04-24): Received Updated [redacted] and [redacted]. Exception cleared. Buyer Comment (2026-04-23): revised [redacted]/[redacted]upld Buyer Comment (2026-04-23): revised [redacted]/[redacted] upld Reviewer Comment (2026-04-23): As property[redacted] does not belongs to borrower. Provide updated [redacted]and [redacted]as monthly PITIA was consider for DTI calculation. Exception Remains. Buyer Comment (2026-04-22): please see property profile on [redacted], bwr is not on title. |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428264 | [Redacted] | [Redacted] | 36233760 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing | Reviewer Comment (2026-04-23): Received Mortgage statement in file. Exception Cleared. Buyer Comment (2026-04-22): combined statement for [redacted]r and [redacted] upld |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428264 | [Redacted] | [Redacted] | 36233761 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing | Reviewer Comment (2026-04-23): Received Mortgage statement in file. Exception Cleared. Buyer Comment (2026-04-22): combined statement for [redacted] and [redacted] upld to trl docs |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428264 | [Redacted] | [Redacted] | 36233791 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted] . | Amount Financed disclosed is [redacted]. Calculated finance charge is [redacted]. Variance of [redacted] TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected Closing disclosure, and Re-open Rescission if Applicable | Reviewer Comment (2026-05-13): [redacted] received LOE. Buyer Comment (2026-05-12): title email-inspection fee upld Reviewer Comment (2026-04-24): [redacted] received rebuttal on fee calculation. The fee in question appears to be the $[redacted] fee in Section C titled Title-Residential Loan Escrow. The name of this would give the indication of it being a settlement/closing/escrow type fee and was included in finance charge calculation. Final Settlement Statement reflects [redacted]$[redacted]fees for Title-endorsement & Title-Residential Inspection Fee. Please provide a lender's attestation that clarifies which fee is the Title-Residential Loan Escrow and provide a detailed explanation as to the services & purpose of this fee in order to determine if a finance charge. Buyer Comment (2026-04-23): rebuttal and final ss upld |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225428264 | [Redacted] | [Redacted] | 36233792 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is [redacted]. Calculated finance charge is [redacted]. Variance of [redacted]. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected Closing disclosure, and Re-open Rescission if Applicable | Reviewer Comment (2026-05-13): [redacted] received LOE. Reviewer Comment (2026-04-24): [redacted] received rebuttal on fee calculation. The fee in question appears to be the $[redacted]fee in Section C titled Title-Residential Loan Escrow. The name of this would give the indication of it being a settlement/closing/escrow type fee and was included in finance charge calculation. Final Settlement Statement reflects [redacted]$[redacted]fees for Title-endorsement & Title-Residential Inspection Fee. Please provide a lender's attestation that clarifies which fee is the Title-Residential Loan Escrow and provide a detailed explanation as to the services & purpose of this fee in order to determine if a finance charge. Buyer Comment (2026-04-23): rebuttal and final ss upld to trl docs |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225428264 | [Redacted] | [Redacted] | 36233794 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as [redacted] on Loan estimate but disclosed as [redacted] on Final Closing Disclosure with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225428287 | [Redacted] | [Redacted] | 36232232 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock is not provided. | Reviewer Comment (2026-04-21): Received [redacted] Rate Lock document, Exception Cleared. Buyer Comment (2026-04-20): lock |
04/21/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428395 | [Redacted] | [Redacted] | 36230937 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock is not provided. | Reviewer Comment (2026-05-05): [redacted] Initial rate lock received and verified. Exception cleared. Buyer Comment (2026-05-04): Please see attached rate lock |
05/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428395 | [Redacted] | [Redacted] | 36258331 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-05-20): [redacted]received rebuttal comment and AUS dated [redacted] to support COC reason dated [redacted]. Buyer Comment (2026-05-18): Loan was disclosed on [redacted] based on the PIW received by AUS. (see Initial AUS attached). Loan was locked same day with [Redacted] who does not accept PIW's for [redacted] homes therefore within [redacted]days (actually done the next day) the loan was redisclosed showing the appraisal added. Therefore since the appraisal fee was disclosed within the [redacted]days of discovering the investor did not accept PIW's on [redacted] homes, this is not a v[Redacted]tion. Reviewer Comment (2026-05-05): [redacted] received a rebuttal comment stating that the loss of PIW triggered the requirement for a full appraisal. To support this determination, evidence such as system logs or supporting documentation confirming that PIW was lost is required to verify that the appraisal fee was added within the allowable timeline. If the requested documentation is not provided, the finding must be cured. The cure consists of a PCCD, Letter of Explanation (LOE), refund check, and proof of mailing. Buyer Comment (2026-05-04): Changed Circumstances in [redacted]dated[redacted] shows an appraisal with rush fee added because loan previously had a PIW but PIW was lost resulting in a full appraisal being required. Corresponding LE in [redacted] showing the addition of an appraisal fee. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225428395 | [Redacted] | [Redacted] | 36258345 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | File is short verified funds for [redacted] months reserves on subject and [redacted] month for primary residence. | Reviewer Comment (2026-05-05): Reserve Requirement updated as per AUS. Now reserve requirement met. Exception cleared. Buyer Comment (2026-05-04): Please refer to AUS ([redacted]). DU is only requiring reserves in the amount of $[redacted] |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225428395 | [Redacted] | [Redacted] | 36258360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verified assets for reserves. | Reviewer Comment (2026-05-05): Reserve Requirement updated as per AUS. Now reserve requirement met. Exception cleared. Buyer Comment (2026-05-04): Please refer to AUS ([redacted]). DU is only requiring reserves in the amount of $[redacted] |
05/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225428395 | [Redacted] | [Redacted] | 36258363 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing required verified reserves. | Reviewer Comment (2026-05-05): Reserve Requirement updated as per AUS. Now reserve requirement met. Exception cleared. Buyer Comment (2026-05-04): Please refer to AUS ([redacted]). DU is only requiring reserves in the amount of $[redacted] |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225428884 | [Redacted] | [Redacted] | 36234206 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by [redacted]. | Reviewer Comment (2026-05-19): Email confirm policy is [redacted]% replacement cost coverage. Buyer Comment (2026-05-15): Please see attached. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225428884 | [Redacted] | [Redacted] | 36234208 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing fully executed warranty deed transferring ownership to the borrowers. | Reviewer Comment (2026-05-19): Warranty deed transferring ownership to the borrowers received. Buyer Comment (2026-05-15): Please see attached. |
05/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225428884 | [Redacted] | [Redacted] | 36234222 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock is missing in file. | Reviewer Comment (2026-05-05): [redacted] Initial rate lock received and verified. Exception cleared. Buyer Comment (2026-05-04): Please see attached. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225428884 | [Redacted] | [Redacted] | 36397987 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At Closing |
05/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225429503 | [Redacted] | [Redacted] | 36233840 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-18): Document provided Buyer Comment (2026-05-14): Please see attached econsent for[redacted]. Reviewer Comment (2026-05-05): Required E-Sign Consent document dated [redacted] which is initial application date (within [redacted] days of application date), as provided Consent document shows dated [redacted] which is earlier to initial application date and not acceptable, also already provided in file. Exception Remains. Buyer Comment (2026-05-01): Please see attached. Reviewer Comment (2026-04-23): Received E-Sign Consent Agreement dated [redacted], which is before application date. Required E-Sign Consent Agreement dated [redacted]. Exception remains. Buyer Comment (2026-04-22): Please see attached. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225429503 | [Redacted] | [Redacted] | 36233843 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-23): Received Insurance Verification and Mortgage Statement. Exception cleared. Buyer Comment (2026-04-22): Please see attached. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225430114 | [Redacted] | [Redacted] | 36257814 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC for business entity was not found in file. | Reviewer Comment (2026-05-04): Fraud report with OFAC search for borrowing entity, cleared Buyer Comment (2026-05-01): Please see updated fraud report which includes [Redacted] |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225430119 | [Redacted] | [Redacted] | 36262156 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. | Reviewer Comment (2026-05-05): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-05-04): PCCD with letter |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225430119 | [Redacted] | [Redacted] | 36262194 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was not located in the file for this property | Reviewer Comment (2026-04-28): Received revised [redacted]and [redacted]. Exception cleared. Buyer Comment (2026-04-27): Corrected [redacted]/[redacted], there is no other fees , double hit Reviewer Comment (2026-04-22): As per final [redacted], other expenses reflecting $[redacted]. Required supporting document to verify other expenses. Exception remains. Buyer Comment (2026-04-20): No HOA |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225430142 | [Redacted] | [Redacted] | 36245427 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisals effective date. | Reviewer Comment (2026-04-28): CDA effective date updated. Exception cleared. Buyer Comment (2026-04-27): rebuttal upld |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | |||||||||||
| 225430142 | [Redacted] | [Redacted] | 36245667 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was not disclosed on initial LE but [redacted] was disclosed on Closing disclosure with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | A | A | C | A | Non QM | Non QM | Yes | |||||||||
| 225430207 | [Redacted] | [Redacted] | 36237083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee fee was not disclosed on initial LE but [redacted] was disclosed on Closing disclosure. Sufficient Cure was not provided on file. | Reviewer Comment (2026-05-05): [redacted] Received earleist E-Consent dated [redacted] which baseline the COC. Buyer Comment (2026-05-04): Please see Changed Circumstances [redacted] dated [redacted] showing [redacted] appraisal was required on product due to score. Corresponding LE Dated[redacted] ([redacted]) showing the $[redacted]fee added. UCDP Submission Summary [redacted]and [redacted]show the score was received [redacted] to support timely disclosure of the fee was made. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225430207 | [Redacted] | [Redacted] | 36237090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Application date [redacted] and Loan estimate provided date is [redacted] | Reviewer Comment (2026-05-05): [redacted] Received earleist E-Consent dated [redacted] . Buyer Comment (2026-05-04): Please see attached eConsent showing borrower agreed to electronic disclosures on [redacted]. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225430973 | [Redacted] | [Redacted] | 36240465 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on initial LE but [redacted] was disclosed on Closing disclosure. Sufficient Cure was not provided on file. | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): Please see attached Cover Letter, PCCD, Copy of cure check and proof delivered. |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225430973 | [Redacted] | [Redacted] | 36240525 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-05-05): Document provided Buyer Comment (2026-05-04): Please see Lender Correspondence [redacted] confirming borrower is an active employee. Email is dated [redacted] and is within [redacted]days of Note date. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225430973 | [Redacted] | [Redacted] | 36240537 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-05-05): Document provided Buyer Comment (2026-05-04): Please see Lender Correspondence [redacted]confirming borrower is an active employee. Email is dated[redacted] and is within [redacted]days of Note date. |
05/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225430973 | [Redacted] | [Redacted] | 36240538 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-05-05): Document provided Buyer Comment (2026-05-04): Please see Lender Correspondence [redacted]confirming borrower is an active employee. Email is dated [redacted] and is within [redacted] days of Note date. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225430973 | [Redacted] | [Redacted] | 36261936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | nsufficient or no cure was provided to the borrower | Reviewer Comment (2026-05-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-11): Please see attached Cover Letter, PCCD, Copy of cure check and proof delivered. |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225430975 | [Redacted] | [Redacted] | 36237946 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted] due to negative rental income is more than the UW considered income for [redacted] property | Reviewer Comment (2026-05-12): Updated debt and Income Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; [redacted] Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-05-08): the rear unit/ADU income is correctly applied as an offset to the subject property housing expense, which results in the [redacted]% DTI. The variance appears to come from [redacted] treating the same cash flow as standalone rental income rather than netting it against the housing obligation, which effectively overstates qualifying income in this structure. If [redacted] is applying a different standard here, can you point to the specific guideline or overlay supporting that treatment for a borrower-occupied primary residence with a rear unit? Reviewer Comment (2026-04-22): Rental income of $[redacted] for the primary property ([redacted]) is already included however, the calculated DTI remains at [redacted]%, exceeding the limit of [redacted]%. Exception Remains. Buyer Comment (2026-04-21): The rents from the rear unit from primary residence not being included in calculation |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225430975 | [Redacted] | [Redacted] | 36238006 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]due to negative rental income is more than the UW considered income for [redacted] property | Reviewer Comment (2026-05-12): Updated debt and Income Reviewer Comment (2026-05-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Reviewer Comment (2026-04-22): Rental income of $[redacted]for the primary property ([redacted]) is already included however, the calculated DTI remains at [redacted]%, exceeding the limit of [redacted]%. Exception Remains. Buyer Comment (2026-04-21): See rebuttal |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225430975 | [Redacted] | [Redacted] | 36238011 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted] due to negative rental income is more than the UW considered income for [redacted] property | Reviewer Comment (2026-05-12): Updated debt and Income Reviewer Comment (2026-04-22): Rental income of $[redacted] for the primary property ([redacted]t) is already included however, the calculated DTI remains at [redacted]%, exceeding the limit of [redacted]%. Exception Remains. Buyer Comment (2026-04-21): See rebuttal |
05/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225430975 | [Redacted] | [Redacted] | 36238013 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted] due to negative rental income is more than the UW considered income for [redacted] property | Reviewer Comment (2026-05-12): Updated debt and Income Reviewer Comment (2026-04-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-04-22): Rental income of $[redacted]for the primary property ([redacted]) is already included however, the calculated DTI remains at [redacted]%, exceeding the limit of [redacted]%. Exception Remains. Buyer Comment (2026-04-21): See rebuttal |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225430975 | [Redacted] | [Redacted] | 36238015 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225430975 | [Redacted] | [Redacted] | 36261841 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-05-12): Updated Reviewer Comment (2026-04-22): Rental income of $[redacted]for the primary property ([redacted] is already included however, the calculated DTI remains at [redacted]%, exceeding the limit of [redacted]%. Exception Remains. Buyer Comment (2026-04-21): See rebuttal |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225430983 | [Redacted] | [Redacted] | 36259651 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | W-8BEN is required for foreign national. | Reviewer Comment (2026-05-20): [redacted], cleared Buyer Comment (2026-05-20): Please see attached. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225430985 | [Redacted] | [Redacted] | 36258243 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-05-04): Fraud report with OFAC run for the borrowing entity, no record found, cleared Buyer Comment (2026-05-04): Please see attached. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225430985 | [Redacted] | [Redacted] | 36258364 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | Lender approved exception request for borrower owning <[redacted]% of LLC. File is missing the lender exception form, approval and compensating factors. | Reviewer Comment (2026-05-04): Lender exception to proceed as is, cleared Buyer Comment (2026-05-04): Please see attached. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225430985 | [Redacted] | [Redacted] | 36258429 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Both members signed as guarantors. The guarantee agreement is missing. | Reviewer Comment (2026-05-29): Guarantor Agreement, cleared Buyer Comment (2026-05-29): Please see attached. |
05/29/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225430986 | [Redacted] | [Redacted] | 36234733 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective date is [redacted], one day after note date. | Reviewer Comment (2026-05-22): Hazard Insurance Effective date and Disbursement date both are same. It can satisfy the condition. Exception Cleared. Buyer Comment (2026-05-21): Please see attached correspondence with Insurance Agent. They are unable to back date the policy effective date however the agent stated that there were no claims filed by the borrower. I have not reached out to the borrower to confirm this information as I feel that could be a conflict of interest. Please advise if this correspondence from the agent is sufficient or what would be required to satisfy this condition. Please also keep in mind that the loan did not disburse until [redacted], which is the date the insurance was effective. Reviewer Comment (2026-05-05): Require hazard insurance policy effective date covering the note date. Exception remains Buyer Comment (2026-05-01): Title company cannot disburse nor record the mortgage until they settle everything on their end, therefore since the Disbursement date along with the ALTA date showing as [redacted], HOI can be effective from that date. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225432149 | [Redacted] | [Redacted] | 36246795 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to Lender not considering second home PITIA and utilizing a lesser credit obligation than reflected in source document in DTI calculation. | Reviewer Comment (2026-04-23): Cleared. Received statements to exclude auto accounts paid by the business. Buyer Comment (2026-04-21): Rebuttal |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225432149 | [Redacted] | [Redacted] | 36246813 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-04-23): Cleared. Received statements to exclude auto accounts paid by the business. |
04/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225432149 | [Redacted] | [Redacted] | 36246814 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to DTI discrepancy. | Reviewer Comment (2026-04-23): Cleared. Received statements to exclude auto accounts paid by the business. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225432149 | [Redacted] | [Redacted] | 36264209 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-22): Title policy received with coverage amount, exception cleared Buyer Comment (2026-04-21): Updated |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225432149 | [Redacted] | [Redacted] | 36264346 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Failure due to the difference in open debt and second home expenses. Lender is using [redacted] in other debt, however the documentation in the file reflects the total other debt of [redacted] and the 2nd home expenses of [redacted]. | Reviewer Comment (2026-04-23): Cleared. Received statements to exclude auto accounts paid by the business. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225432149 | [Redacted] | [Redacted] | 36264360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Failure due to the difference in open debt and second home expenses. Lender is using [redacted] in other debt, however the documentation in the file reflects the total other debt of [redacted] and the 2nd home expenses of [redacted]. | Reviewer Comment (2026-04-23): Cleared. Received statements to exclude auto accounts paid by the business. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225432268 | [Redacted] | [Redacted] | 36246426 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Data Discrepancy with DTI. Lender DTI [redacted], Review DTI [redacted]. The Reason for the discrepancy is due to Primary property expenses considered is [redacted] but source document PITI is [redacted] | Reviewer Comment (2026-05-22): Received verification from lender that DTI matches/is within tolerance. However,[redacted] remains a discrepancy. Condition cleared. Reviewer Comment (2026-05-20): The discrepancy is due to the [redacted] provided to us. [redacted]would have to provide the chances to the [redacted]. Buyer Comment (2026-05-19): the bid tape was corrected, dti matches at [redacted]%, please clear. Reviewer Comment (2026-05-18): The exception will be reveiwed upon receipt of updated[redacted]. Buyer Comment (2026-05-14): the [redacted] has been updated. please clear. Reviewer Comment (2026-04-27): The discrepancy is in the[redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated [redacted] for the DTI. Exception Remains. Buyer Comment (2026-04-24): revised [redacted] upld |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225432404 | [Redacted] | [Redacted] | 36262447 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-04-21): OFAC for the borrowing entity, cleared Buyer Comment (2026-04-21): OFAC |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225432406 | [Redacted] | [Redacted] | 36246861 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file. | Fraud Report is missing in file. | Reviewer Comment (2026-05-06): Fraud Report document received and associated. Exception Cleared. Buyer Comment (2026-05-05): Please see attached Fraud Report |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225432406 | [Redacted] | [Redacted] | 36264465 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Primary borrower has no fico scores and [redacted]required non-traditional tradelines covering [redacted] months are not provided in file. The 1008 indicates a lender exception however the approval is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Client elects to waive with compensating factors. Buyer Comment (2026-05-05): Please see attached Exception Approval for Borrower with no FICO Score |
05/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225433128 | [Redacted] | [Redacted] | 36247700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points not disclosed on initial LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-04-23): [redacted] received COC dated [redacted]. Buyer Comment (2026-04-22): RLE with COC and lock |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225433128 | [Redacted] | [Redacted] | 36247701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee not disclosed on initial LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-12): PCCD with cure and correct shipping label Reviewer Comment (2026-05-06): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-05-05): PCCD with cure, sent out today Reviewer Comment (2026-04-23): [redacted] received COC dated [redacted] but as per COC the reason provided for adding the fee is not sufficient. Please provide more information as to what new information has been received to lender/appraiser that resulted in requirement of second review. Buyer Comment (2026-04-22): See CD with COC |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225433128 | [Redacted] | [Redacted] | 36247705 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Purchase deed is missing. | Reviewer Comment (2026-04-24): Received warranty deed. Exception cleared. Buyer Comment (2026-04-22): [redacted] |
04/24/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225434381 | [Redacted] | [Redacted] | 36248287 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided in file. | Reviewer Comment (2026-04-21): Received Hazard Insurance Policy with replacement cost estimator. Exception Cleared. Buyer Comment (2026-04-20): Hazard |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225434381 | [Redacted] | [Redacted] | 36248334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-27): UCDP with an acceptable risk score, cleared Buyer Comment (2026-04-27): SSR Reviewer Comment (2026-04-22): Please provide the Fannie Mae UCDP Buyer Comment (2026-04-21): the FNMA SSR gives it a CU score of [redacted] so [redacted] valuation is not required. Can we get this cleared or clarified |
04/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225434381 | [Redacted] | [Redacted] | 36263371 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing statement for subject property not provided. The two statements that were provided are for separate properties. | Reviewer Comment (2026-05-04): Final closing statement, cleared Buyer Comment (2026-05-04): FSS Reviewer Comment (2026-04-21): Provide the final closing statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all the parties. Exception remains. Buyer Comment (2026-04-20): FSS |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225436908 | [Redacted] | [Redacted] | 36246851 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final Executed HUD-1/Closing Statement is missing on file. None was located in the file | Reviewer Comment (2026-05-20): HUD-1, cleared Buyer Comment (2026-05-19): Please see attached. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252063 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | [redacted] Months Business Bank Statements are not available in file for Borrower's Business account[redacted] for Bank Statement income calculation. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements for account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): Asset statements |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252101 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | "Proceeds From Secured Loan" [redacted] is reflected for assets on Final 1003 however supporting document is not available in file. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements for account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): Final CD from rfi and updated 1008/1003 |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252102 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] Months Business Bank Statements are not available in file for Borrower's Business account[redacted] for Bank Statement income calculation. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements for account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): See asset statements |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing bank statements and asset documentation for secured borrowed funds. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements for account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): See asset statements |
04/22/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225437035 | [Redacted] | [Redacted] | 36252130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to missing bank statements and asset documentation for secured borrowed funds. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements for account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): See asset statements |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing bank statements for income calculation and asset documentation for secured borrowed funds. | Reviewer Comment (2026-04-22): [redacted]Months Business Bank Statements account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): See asset statements |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252212 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date [redacted] is after the note date [redacted]. | Reviewer Comment (2026-04-22): The Hazard Insurance Policy effective date of [redacted] matches the disbursement date reflected on the Final Closing Disclosure dated [redacted].. Exception cleared Buyer Comment (2026-04-21): Disbursement date is fine on a purchase transaction. Insurance is effective on disbursement date [redacted] |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225437035 | [Redacted] | [Redacted] | 36252231 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [redacted] Months Business Bank Statements are not available in file for Borrower's Business account [redacted] for Bank Statement income calculation. | Reviewer Comment (2026-04-22): [redacted] Months Business Bank Statements account #[redacted]provided and associated. Exception cleared Buyer Comment (2026-04-21): See asset statements |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225437035 | [Redacted] | [Redacted] | 36267567 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided E-sign consent agreement. | Reviewer Comment (2026-04-22): E-sign consent agreement received and verified. Exception cleared Buyer Comment (2026-04-21): eConsent |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225437037 | [Redacted] | [Redacted] | 36246410 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-07): Collateral Underwriter Score is updated. Exception cleared. Buyer Comment (2026-05-06): please cancel, the cu score is under [redacted], ssr is on d[redacted] |
05/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225437037 | [Redacted] | [Redacted] | 36246626 | Credit | Compliance | Miscellaneous Compliance | Compliance | Borrower is not receiving cash back on a loan that was identified as Cash Out. | - | Loan Purpose is Cash out refinance but cash to close provided on final CD is from borrower [redacted] | Reviewer Comment (2026-05-12): Loan is a Cash out refi. Borrower is paying off mtg [redacted] and HELOC [redacted] Buyer Comment (2026-05-08): rebuttal upld |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225437037 | [Redacted] | [Redacted] | 36246632 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid [redacted] for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-05-14): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-13): pccd docs upld |
05/14/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225437046 | [Redacted] | [Redacted] | 36246995 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-04-22): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-04-21): eConsent |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225438332 | [Redacted] | [Redacted] | 36252933 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Desk Review effective date does not match the Appraisals effective date. | Reviewer Comment (2026-05-08): The original appraisal was completed [redacted] however a recertification was performed on [redacted] the CDA is dated the same date as the recert of value ([redacted]). Exception Cleared. Buyer Comment (2026-05-06): The original appraisal was completed [redacted] however a recertification was performed on [redacted] the CDA is dated the same date as the recert of value (D[redacted]). |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| 225438335 | [Redacted] | [Redacted] | 36269574 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted] -month housing history is not located in the file. | Reviewer Comment (2026-05-06): Review of the credit report confirms verification of the latest [redacted]month housing history. The loan transfer to [redacted] in [redacted] has been validated, and all relevant details have been updated. Exception Cleared. Buyer Comment (2026-05-05): Per Mortgage statement ([redacted]) lender is [redacted]. [redacted]shows [redacted]months reviewed on the credit report (item [redacted]of the report). The loan was transferred [redacted] to [redacted] ([redacted]) however [redacted] is too new to rate but the mortgage statements support the payment for [redacted]was paid as the next payment due is for [redacted][redacted] |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225438409 | [Redacted] | [Redacted] | 36251311 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | No secondary appraisal or hybrid interior appraisal required. | Reviewer Comment (2026-04-22): Received AVM. Exception cleared Buyer Comment (2026-04-21): See page [redacted]for AVM supporting value |
04/22/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225438409 | [Redacted] | [Redacted] | 36251361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | Most recent tax transcripts and CPA letter were not provided. | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. Buyer Comment (2026-04-29): [redacted] Tax returns |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225438409 | [Redacted] | [Redacted] | 36251366 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |
04/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 225438409 | [Redacted] | [Redacted] | 36251382 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] exception due to missing third-party verification and most recent tax returns. | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. |
05/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225438409 | [Redacted] | [Redacted] | 36251383 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] exception due to QM points and fees. | Reviewer Comment (2026-05-01): Received required documentation. Condition cleared. |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225438414 | [Redacted] | [Redacted] | 36267767 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of [redacted] is insufficient to cover the mortgage amount of [redacted]. Coverage is short by [redacted]. | Reviewer Comment (2026-04-14): Cleared. Received RCE Seller Comment (2026-04-13): Please see attached RCE |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225438452 | [Redacted] | [Redacted] | 36250687 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |
04/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225438452 | [Redacted] | [Redacted] | 36269700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID v[Redacted]tions. | Reviewer Comment (2026-04-23): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-22): See final CD in [redacted] page [redacted]for final CD , on page two at the bottom is the cure |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225438452 | [Redacted] | [Redacted] | 36269701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID v[Redacted]tions. | Reviewer Comment (2026-04-30): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): PCCD with cure, sent out today |
04/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225438469 | [Redacted] | [Redacted] | 36253435 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is require document. | Reviewer Comment (2026-04-22): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-04-21): eConsent |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225438469 | [Redacted] | [Redacted] | 36253437 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification for Address: [redacted] is not provided. | Reviewer Comment (2026-04-29): Received Insurance and Tax Verification for property [redacted], Exception cleared Buyer Comment (2026-04-28): Tax and insurance Reviewer Comment (2026-04-22): Final CD provided; however, the transaction is not escrowed. As a result, actual property tax and homeowner's insurance amounts cannot be accurately identified from the Closing Disclosure. Tax certificate and insurance policy are required to confirm the correct amounts. Exception Remains. Buyer Comment (2026-04-21): Final CD |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225438469 | [Redacted] | [Redacted] | 36253441 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Diligence Investor Qualifying Total Debt Ratio: [redacted]; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]. DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]due to REO property negative flow. | Reviewer Comment (2026-05-05): Cleared. Bid tape has been updated. Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-04-23): The bid tape DTI is [redacted]% however due diligence is [redacted]. An updated Bid tape for the DTI is required. Buyer Comment (2026-04-21): Updated 1008/1003 |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225438661 | [Redacted] | [Redacted] | 36253786 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide OFAC search for [redacted] | Reviewer Comment (2026-04-29): Received OFAC search for Fresh [redacted]. Exception Cleared. Buyer Comment (2026-04-27): llc ofac upld |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225438755 | [Redacted] | [Redacted] | 36270099 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Schedule B, Part I, Item [redacted]reflects a judgment in favor of [redacted] [redacted] against [redacted] in the amount of [redacted]. No payoff is found on HUD-I. Schedule B, Part I, Item [redacted] reflects a municipal lien filed by City of [redacted] in the amount of[redacted]. No payoff is found on HUD-I. | Reviewer Comment (2026-05-05): Received indemnity letter and the trash was paid at closing. Reviewer Comment (2026-04-29): Exception Remains. No Documents provided. Schedule B, Part I, Item #[redacted] reflects a judgment in favor of [redacted] against [redacted]in the amount of [redacted]. No payoff is found on HUD-I. Schedule B, Part I, Item #[redacted] reflects a municipal lien filed by City of [redacted] in the amount of[redacted]. No payoff is found on HUD-I. Buyer Comment (2026-04-27): Title docs |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225438917 | [Redacted] | [Redacted] | 36253503 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing, as would be required for securitization. | Reviewer Comment (2026-05-14): CDA received, exception cleared Buyer Comment (2026-05-12): Please see attached. |
05/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225438917 | [Redacted] | [Redacted] | 36253528 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by [redacted] based on [redacted] of value. There was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-05-14): Blanket Policy received PUD attached, exception cleared Buyer Comment (2026-05-12): the building is insured like a condo but is legally a PUD. Attached is the master insurance - please review |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225438917 | [Redacted] | [Redacted] | 36269986 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documentation to verifiy the property tax is not located in the file. | Reviewer Comment (2026-05-06): Tax details updated from available document. Exception cleared. Buyer Comment (2026-05-04): Please review all REO documents. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225439276 | [Redacted] | [Redacted] | 36252944 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing in file. | Reviewer Comment (2026-05-06): Final 1003 received. Buyer Comment (2026-05-05): Ratio difference was due to additional properties the borrower is purchasing. Uploaded CD's for each of the properties and updated the 1008/1003 with the most accurate figures based on the CDs. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225439276 | [Redacted] | [Redacted] | 36252952 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI [redacted], Review DTI [redacted] . The reason for the discrepancy is due to final Lender 1008 dated [redacted] stating borrower additional monthly payments are [redacted] however based on review of credit report and audit of the file the monthly payments of the borrower are [redacted]. Lender 1008 dated [redacted]matches this lower payment and DTI confirmed by audit. | Reviewer Comment (2026-05-06): Received REO documents, 1008, 1003. Exception cleared. Buyer Comment (2026-05-05): The difference in ratios is due to [redacted]Additional REO the borrower just purchased or is in the process of purchasing and was not on initial 1003. I have attached the CD's for your review and I have updated the 1003/1008 with accurate payments based on the final or most current CD. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225440026 | [Redacted] | [Redacted] | 36253066 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-05-06): E-sign Consent Agreement document received and associated. Exception Cleared. Buyer Comment (2026-05-05): There are [redacted]eConsents attached. One is from [redacted][redacted]and the other is [redacted][redacted]. Since the [redacted]document would be over [redacted]year old prior to closing, an updated consent was signed. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225440026 | [Redacted] | [Redacted] | 36255803 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253413 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-04-23): Hazard Insurance document cosnidered to verify premium amount. altogether premium amount included in property address [redacted] Exception cleared. Buyer Comment (2026-04-22): See [redacted] page [redacted]of hazard policy for [redacted] which includes these locations. These are just land |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253414 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-04-23): Hazard Insurance document cosnidered to verify premium amount. altogether premium amount included in property address [redacted] Exception cleared. Buyer Comment (2026-04-22): See [redacted] page [redacted]of hazard policy for [redacted] which includes these locations. These are just land |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253415 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-04-23): Hazard Insurance document cosnidered to verify premium amount. altogether premium amount included in property address [redacted] Exception cleared. Buyer Comment (2026-04-22): See [redacted] page [redacted]of hazard policy for [redacted] which includes these locations. These are just land |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253416 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-05-01): The address [redacted], is a lot not a property loan only, so insurance is not there, Exception cleared. Buyer Comment (2026-04-30): Rebuttal with docss |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253419 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower was not provided with a list of settlement service providers list. | Reviewer Comment (2026-04-29): [redacted]received Settlement service provider list. |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225441014 | [Redacted] | [Redacted] | 36253422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]business days of application. | Initial LE was not provided within [redacted] days of the initial application date [redacted] | Reviewer Comment (2026-04-29): [redacted]received initial LE. Buyer Comment (2026-04-28): [redacted] Reviewer Comment (2026-04-23): [redacted]received disclosure summary, however there is no LE dated [redacted]available in file. Please provide [redacted] LE to re-evaluate the exception. Buyer Comment (2026-04-22): Disclosure Tracking |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36253432 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of Title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-29): [redacted]received SSPL and the fee are within tolerance limit. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225441014 | [Redacted] | [Redacted] | 36273046 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-04-23): Premium amount updated from hazard policy available in file. Exception cleared. Buyer Comment (2026-04-22): See [redacted]page [redacted]of the policy that shows it covers both [redacted]and [redacted] |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225441014 | [Redacted] | [Redacted] | 36361425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] the COC present in the file is not valid for the fee increased on CD dated [redacted] for [redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-05-06): [redacted]received a valid COC. Buyer Comment (2026-05-05): RLE with COC |
05/06/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225442437 | [Redacted] | [Redacted] | 36253924 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file is missing a copy of the final title policy. | Reviewer Comment (2026-05-07): Received Final Title document with correct policy amount, information validated. Exception Cleared. |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225442437 | [Redacted] | [Redacted] | 36253942 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Insufficient reserves. Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. [redacted]indicates [redacted] verified. However, [redacted] is required. | Reviewer Comment (2026-05-07): Cash-Out Proceeds used to meet reserve requirement. Exception cleared. Buyer Comment (2026-05-06): This program follows [redacted] guidelines. DU shows [redacted] required reserves |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225442437 | [Redacted] | [Redacted] | 36253944 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. [redacted]indicates [redacted] verified. However, [redacted] is required. | Reviewer Comment (2026-05-07): Cash-Out Proceeds used to meet reserve requirement. Exception cleared. Buyer Comment (2026-05-06): Waterfall condition. Please clear. |
05/07/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225442437 | [Redacted] | [Redacted] | 36253945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to Calculated PITIA months reserves of[redacted] is less than Guideline PITIA months reserves of [redacted]. [redacted]indicates [redacted] verified. However, [redacted] is required. | Reviewer Comment (2026-05-07): Cash-Out Proceeds used to meet reserve requirement. Exception cleared. Buyer Comment (2026-05-06): Waterfall condition. Please clear. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225442437 | [Redacted] | [Redacted] | 36273365 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed an amount of title insurance coverage [redacted] that is less than the loan amount [redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-07): Received Final Title document with correct policy amount, information validated. Exception Cleared. Buyer Comment (2026-05-06): Please see attached. |
05/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225443396 | [Redacted] | [Redacted] | 36253978 | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete | Note is incomplete, missing page [redacted] of the Note. | Reviewer Comment (2026-04-23): Complete set of Note for subject property received. Exception cleared. Buyer Comment (2026-04-22): Note |
04/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225443396 | [Redacted] | [Redacted] | 36254037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation mismatch due to third-party verification of Schedule C not signed and dated. | Reviewer Comment (2026-05-20): Sign and dated 1040 received and verified. Exception cleared. Buyer Comment (2026-05-18): Signed taxes |
05/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225443396 | [Redacted] | [Redacted] | 36254038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | ATR failure due to third-party verification of Schedule C not signed and dated. | Reviewer Comment (2026-05-20): Sign and dated 1040 received and verified. Exception cleared. Buyer Comment (2026-05-18): See signed returns |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225443396 | [Redacted] | [Redacted] | 36254040 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to DTI exceeding maximum threshold of [redacted]. '[redacted]' property PITIA not considered in debts due to no evidence of mortgage payment made by borrower. DTI calculation: Debts [redacted] = [redacted]. | Reviewer Comment (2026-05-20): Sign and dated 1040 received and verified. Exception cleared. |
05/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225443401 | [Redacted] | [Redacted] | 36259586 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC was not provided for " [redacted]". | Reviewer Comment (2026-04-22): OFAC, cleared Buyer Comment (2026-04-22): OFAC |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225443401 | [Redacted] | [Redacted] | 36259587 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Birth Date was not provided for " [redacted]". | Reviewer Comment (2026-04-22): [redacted]only signed as Member of the borrowing entity. She is not on the loan, cleared Buyer Comment (2026-04-22): Not required |
04/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225443714 | [Redacted] | [Redacted] | 36254937 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-sign consent is reflecting pending status. | Reviewer Comment (2026-04-24): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-04-22): eConsent |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225443716 | [Redacted] | [Redacted] | 36275490 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing Date on signature line. | Reviewer Comment (2026-05-11): Received Security Instrument with signed and date. Exception Cleared. Buyer Comment (2026-05-07): loi & correction affidavit upld |
05/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254364 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-12): Appraisal delivery receipts received. Buyer Comment (2026-05-08): [redacted]aprsl receipt upld Reviewer Comment (2026-05-07): Required proof of delivery of Appraisal dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): [redacted]aprsl receipt upld to trl docs |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254365 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-05-07): Proof of delivery updated. Exception cleared. Buyer Comment (2026-05-06): [redacted]aprsl receipt upld |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254366 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-05-12): Appraisal delivery receipts received. Buyer Comment (2026-05-08): [redacted]aprsl receipt upld to trl docs Reviewer Comment (2026-05-07): Required proof of delivery of Appraisal dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): [redacted]aprsl receipt upld to trl docs |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254368 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) [Redacted] Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | [redacted] Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-12): Appraisal delivery receipts received. Buyer Comment (2026-05-08): [redacted]aprsl receipt upld to trl docs Reviewer Comment (2026-05-07): Required proof of delivery of Appraisal dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): [redacted]aprsl receipt upld to trl docs |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254369 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted] Non-Compliant Higher Priced Loan. | APR on subject loan of[redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-12): Appraisal delivery receipts received. Buyer Comment (2026-05-08): [redacted]aprsl receipt upld to trl docs Reviewer Comment (2026-05-07): Required proof of delivery of Appraisal dated [redacted]. Exception Remains. Buyer Comment (2026-05-06): [redacted]aprsl receipt upld to trl docs |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No obvious cure | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225443722 | [Redacted] | [Redacted] | 36254378 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-05-12): CDA received. Buyer Comment (2026-05-08): cda upld |
05/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225443722 | [Redacted] | [Redacted] | 36254380 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-12): CDA received. Buyer Comment (2026-05-08): cda upld to trl docs |
05/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225443722 | [Redacted] | [Redacted] | 36451092 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted] Compliant Higher Priced Loan. | Reviewer Comment (2026-05-13): Client elects to waive. Buyer Comment (2026-05-12): all aprsls and receipts were provided, please clear. |
05/13/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | No obvious cure | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||||||
| 225443726 | [Redacted] | [Redacted] | 36260062 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Reviewer Comment (2026-05-07): Cleared. Fannie Mae does not require a thorough project review for detached condos. Buyer Comment (2026-05-05): Please see [redacted]1st page. This is a Detached condo and it does not require condo approval review. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225443730 | [Redacted] | [Redacted] | 36254801 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. The earliest e-consent located in the file is [redacted]. | Reviewer Comment (2026-04-24): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-04-23): eConsent and Disclosure Tracking |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225443730 | [Redacted] | [Redacted] | 36254803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-04): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-01): PCCD with cure, sent out today |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225443730 | [Redacted] | [Redacted] | 36274746 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Hazard insurance was not found in file. | Reviewer Comment (2026-04-27): Received Hazard insurance Policy. Exception Cleared. Buyer Comment (2026-04-23): HOI |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225443871 | [Redacted] | [Redacted] | 36275697 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-06-04): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225443871 | [Redacted] | [Redacted] | 36275698 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-05-05): [redacted]received COC dated [redacted]. Buyer Comment (2026-05-04): Please see attached docs. This inculdes the addendum to the contract and the COC reason. Please clear condition. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225443871 | [Redacted] | [Redacted] | 36275710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-20): [redacted] Valuation received and details updated. Exception cleared. Buyer Comment (2026-05-18): Please see attached. |
05/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225444213 | [Redacted] | [Redacted] | 36258984 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided at least [redacted] business days prior to closing. | Reviewer Comment (2026-04-30): [redacted]received [redacted] CD received [redacted]business days prior to consummation. Buyer Comment (2026-04-29): initial cd and tracking upld |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | N/A | N/A | No | |||||||||
| 225444214 | [Redacted] | [Redacted] | 36255319 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Appraisal receipt is missing. | Reviewer Comment (2026-05-05): Received appraisal receipt Buyer Comment (2026-05-04): APR is less than .[redacted]variance. Please clear condition. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225444214 | [Redacted] | [Redacted] | 36255320 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. | Reviewer Comment (2026-05-05): Received appraisal receipt Buyer Comment (2026-05-04): Please see attached. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225444214 | [Redacted] | [Redacted] | 36255323 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-06-02): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-01): Please see attached. Reviewer Comment (2026-05-15): [redacted]received rebuttal. However, the cure provided on Final CD is [redacted]which is insuffient to cure both Transfer tax and ten percent exception. Kindly provide additional cure of [redacted] along with Cure documents i.e. Post CD,LOX,Copy of refund check and proof of mailing in order to cure the exception. Buyer Comment (2026-05-14): Please see attached final CD that shows the credit has alredy been given to the borrower. Please clear condition. Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. (0) |
06/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225444214 | [Redacted] | [Redacted] | 36255324 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax. Disclosed as [redacted] in initial Closing Disclosure and as [redacted] on final Closing Disclosure. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-06): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-05-04): Please see the attached closing disclosure from closing which shows that the cure was already provided. Please clear condition. |
05/06/2026 | 1 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225444214 | [Redacted] | [Redacted] | 36403837 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-05-27): [redacted]was provided Buyer Comment (2026-05-22): Please see attached appraisal delivery form. Reviewer Comment (2026-05-15): Revised appraisal was sent on [redacted]. Provide proof of receipt of the appraisal report dated [redacted]. Exception Remains. Buyer Comment (2026-05-14): Waterfall condition. Please clear. |
05/27/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225444236 | [Redacted] | [Redacted] | 36257773 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Provided Hazard Insurance Policy with incorrect property address for [redacted]. property. | Reviewer Comment (2026-05-26): Received revised hazard insurance policy with correct property address, Exception cleared Buyer Comment (2026-05-22): Please see attached updated HOI with address correction. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225444236 | [Redacted] | [Redacted] | 36257807 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225444333 | [Redacted] | [Redacted] | 36259749 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide [redacted] Verification of Benefits to verify VA income in the amount of [redacted] | Reviewer Comment (2026-05-04): Received award letter. Exception cleared. Buyer Comment (2026-04-30): statement upld, uw grossed it up [redacted]% |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225444333 | [Redacted] | [Redacted] | 36259774 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Provide [redacted] Verification of Benefits to verify VA income in the amount of [redacted] | Reviewer Comment (2026-05-04): Received award letter. Exception cleared. Buyer Comment (2026-04-30): statement upld to trl docs, uw grossed it up [redacted]% |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225446808 | [Redacted] | [Redacted] | 36280070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-07): Hazard Insurance document is not showing additional other insurance so information correctly updated. Exception Cleared. |
05/07/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225446808 | [Redacted] | [Redacted] | 36280087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Values are updated as per available document. Income [redacted] Subject PITIA [redacted]Primary PITIA [redacted] Debt [redacted] | Reviewer Comment (2026-05-07): Hazard Insurance document is not showing additional other insurance so information correctly updated. Exception Cleared. Buyer Comment (2026-05-06): please remove the additional[redacted] in the subject PITIA [redacted] calculation or clarify where you are seeing "other insurance [redacted]" |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225446808 | [Redacted] | [Redacted] | 36280144 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-05-07): Hazard Insurance document is not showing additional other insurance so information correctly updated. Exception Cleared. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225446828 | [Redacted] | [Redacted] | 36260712 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provided HUD is an Estimated Closing Statement. | Reviewer Comment (2026-05-07): Final settlement statement provided. Reviewer Comment (2026-04-30): Provide signed final closing statement, exception remains. Buyer Comment (2026-04-28): Please see attached. Reviewer Comment (2026-04-17): Provided Closing statement is not signed. Exception Remains. Buyer Comment (2026-04-15): Please see attached. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225446920 | [Redacted] | [Redacted] | 36260878 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR variance; Lender DSACR [redacted]. Review DTI [redacted]. Variance is caused by lender using amount of [redacted] per month for all [redacted] units, vs review using [redacted] per month from actual leases. | Reviewer Comment (2026-04-21): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-04-17): Please provide complete lease agreement for [redacted]. Buyer Comment (2026-04-15): [redacted]respectfully disagrees with investor. Per bwrs [redacted] email; there was a tenant that broke their lease prior to appraisal. This is why 1007 shows Unit #1 as vacant, but there is tenant living there now. Current rents are [redacted], [redacted], and [redacted] per updated leases. Please review supporting documentation, but [redacted]is correct with DSCR of [redacted] Buyer Comment (2026-04-15): supporting docs |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225448072 | [Redacted] | [Redacted] | 36258811 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | No seller paid fees disclosed on buyer's or seller's Closing Disclosure. | Reviewer Comment (2026-05-01): Upon review there are no seller paid fees. Seems direct purchase from builder. Buyer Comment (2026-04-30): please cancel, the seller cd was provided on [redacted]and the final ss was provided on [redacted]to [redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225448072 | [Redacted] | [Redacted] | 36277823 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Request: Borrower shows expiration for Visa shows [redacted]. Borrower is in a business Doctorate program. Borrower expected to receive a work visa if she chooses to continue with same employer. Exception Approved |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has verified disposable income of at least $[redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-14): Lender approved exception provided in the file. |
04/14/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225448075 | [Redacted] | [Redacted] | 36258663 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as [redacted] on LE dated [redacted] but increased to [redacted] on the CD. Valid COC or cure was not provided. | Reviewer Comment (2026-05-04): [redacted]received COC dated [redacted]. Buyer Comment (2026-05-01): Corrected RLE with coc Reviewer Comment (2026-04-28): [redacted]received rate lock and COC.However, the provided COC is not dated with Change Received date. Kindly provide complete copy of COC for the fee increased on LE dated [redacted] for [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-04-27): RLE with COC and copy of lock |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225448472 | [Redacted] | [Redacted] | 36261026 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Lender DSCR [redacted]. Review DSCR [redacted]. Actual lease rent of [redacted] used at [redacted] / PITIA [redacted]. DSCR [redacted]. | Reviewer Comment (2026-04-17): updated 1008 income [redacted]DSCR [redacted] Buyer Comment (2026-04-15): [redacted]has updated property taxes and now shows DSCR of [redacted], please clear finding Buyer Comment (2026-04-15): 1008 rev |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225448472 | [Redacted] | [Redacted] | 36275180 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for the borrowing entity. | Reviewer Comment (2026-05-06): OFAC for the borrowing entity, cleared Buyer Comment (2026-05-06): llc ofac upld |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225448500 | [Redacted] | [Redacted] | 36274213 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The security instrument is incomplete. The signature date for the borrower is not completed. | Reviewer Comment (2026-05-04): Received security instrument with the borrower signature date. Verified and updated details. Exception Cleared. Buyer Comment (2026-05-01): recorded mortgage with date completed upld |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225449517 | [Redacted] | [Redacted] | 36259958 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of [redacted] is less than AUS required disposable income of [redacted]. | Reviewer Comment (2026-05-08): Rental income updated, residual income is within guidelines Buyer Comment (2026-05-06): please see uw worksheet on [redacted]and statements on [redacted], [redacted]& [redacted], income is calculated at [redacted] |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449517 | [Redacted] | [Redacted] | 36259961 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured or cleared. | Reviewer Comment (2026-05-08): Rental income updated, residual income is within guidelines Buyer Comment (2026-05-06): please see uw worksheet on [redacted]and statements on [redacted], [redacted]& [redacted], income is calculated at [redacted] |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225449517 | [Redacted] | [Redacted] | 36259962 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount [redacted] and calculated Non QM residual amount [redacted] are both lower than the amount required per the guidelines [redacted] | Investor's calculated residual income amount [redacted] and calculated Non QM residual amount[redacted] are both lower than the amount required per the guidelines [redacted] | Reviewer Comment (2026-05-08): Rental income updated, residual income is within guidelines Buyer Comment (2026-05-06): please see uw worksheet on [redacted]and statements on [redacted], [redacted]& [redacted], income is calculated at [redacted] |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225449525 | [Redacted] | [Redacted] | 36260063 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Borrower is a Non-Permanent Resident Alien; supporting documents like a VISA or Passport were not provided for verification. | Reviewer Comment (2026-05-04): Received ITIN and associated, Exception Cleared Buyer Comment (2026-04-30): itin doc upld |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449525 | [Redacted] | [Redacted] | 36260064 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Borrower is a Non-Permanent Resident Alien; supporting documents like a VISA or Passport were not provided for verification. | Reviewer Comment (2026-05-04): Received ITIN and associated, Exception Cleared Buyer Comment (2026-04-30): itin doc upld to trl docs |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225449525 | [Redacted] | [Redacted] | 36260068 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not provided for the subject property. | Reviewer Comment (2026-05-04): Received Hazard Insurance Policy and associated, exception cleared Buyer Comment (2026-04-30): hoi upld |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449525 | [Redacted] | [Redacted] | 36260074 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Commitment title report in the file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted]. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-04): Title policy received with coverage amount, exception cleared Buyer Comment (2026-04-30): updated title commit upld |
05/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449525 | [Redacted] | [Redacted] | 36280209 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Agreement not provided. | Reviewer Comment (2026-05-04): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-04-30): econsent upld |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225449526 | [Redacted] | [Redacted] | 36260202 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-28): Received E-sign Consent Agreement. Exception cleared. Buyer Comment (2026-04-27): eConsent |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225449526 | [Redacted] | [Redacted] | 36260255 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by [redacted] due to Recording Fees. No valid COC provided. Specific credit of [redacted] has been provided as cure at closing. | Reviewer Comment (2026-04-09): Sufficient Cure Provided At Closing |
04/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225449527 | [Redacted] | [Redacted] | 36260370 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-11): Received Esign Process Summary. Exception cleared. Buyer Comment (2026-05-07): Please see attached acceptance of eConsent |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225449527 | [Redacted] | [Redacted] | 36260375 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount is not provided. | Reviewer Comment (2026-05-13): Title Supplement received and verified. Exception cleared. Buyer Comment (2026-05-11): Please see attached Title supplement |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449527 | [Redacted] | [Redacted] | 36283835 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The closing disclosure for the bridge loan proceeds is not located in the file. | Reviewer Comment (2026-05-11): Received Closing Disclosure of the Bridge loan. Exception cleared. Buyer Comment (2026-05-07): Please see attached Bridge Loan CD |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225449540 | [Redacted] | [Redacted] | 36260784 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-05-06): Received operating agreement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-05-05): Please see attached. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225449540 | [Redacted] | [Redacted] | 36260807 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-05-06): Received Articles of Organization/Formation document. Verified and updated details. Exception Cleared. Buyer Comment (2026-05-05): Please see attached. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225449540 | [Redacted] | [Redacted] | 36275234 | Credit | Fraud | General | Fraud | OFAC not dated within time period required by guidelines | Missing OFAC for the borrowing entity. | Reviewer Comment (2026-05-22): Received Fraud Report with OFAC for the borrowing entity. Exception Cleared. Buyer Comment (2026-05-20): Please see attached. Reviewer Comment (2026-05-06): OFAC for the borrowing entity is not received in trailing document. Exception Remains. Buyer Comment (2026-05-05): Please see attached OFAC report that was completed on [redacted]. Please clear condition. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225449541 | [Redacted] | [Redacted] | 36265660 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Reviewer Comment (2026-05-12): A condo questionnaire for with a limited review is not required. Only for a non warrantable condo or a full review. Buyer Comment (2026-05-08): Per [redacted]condo project review: Is the [redacted]Project Condition Certification needed on a 2-4-unit condominium? No. The [redacted]Project Condition Certification is needed on [redacted]([redacted]) plus unit condominiums. Reviewer Comment (2026-05-06): Please provide HOA Questionnaire and Project approval. Exception remains. Buyer Comment (2026-05-05): Please see the attached Branch correspondence. Since the condo project only has [redacted]units it's exempt from requiring project approval |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225449542 | [Redacted] | [Redacted] | 36261167 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date is [redacted] is after the Note date [redacted]. | Reviewer Comment (2026-05-15): Date of policy is the same as the disbursement. Condition cleared. Reviewer Comment (2026-05-15): Settlement date on closing statement reflects [redacted]. Require insurance policy covering the note date. Exception remains. Buyer Comment (2026-05-13): The [redacted]live out of state, so they signed documents on [redacted]but we funded on [redacted]. Therefore the date on the HOI policy is correct. Please clear condition. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225449546 | [Redacted] | [Redacted] | 36275296 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the Deed transferring the property to the borrowers. | Reviewer Comment (2026-04-29): Deed transferring the property to the borrowers, cleared Buyer Comment (2026-04-29): deed upld |
04/29/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225450056 | [Redacted] | [Redacted] | 36265748 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final Closing Statement was not found in file. The Closing Statement provided that was signed and dated by the borrower is the estimate and not the final Closing Statement. | Reviewer Comment (2026-04-29): Final Closing Statement, cleared Buyer Comment (2026-04-29): cert copy of final ss upld |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225450056 | [Redacted] | [Redacted] | 36265750 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds/warranty/grant/quit-claim showing transfer of ownership to the subject borrower were not found in file. | Reviewer Comment (2026-04-29): Deed showing transfer of ownership, cleared Buyer Comment (2026-04-29): deed upld |
04/29/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225451138 | [Redacted] | [Redacted] | 36268476 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR discrepancy due to lender utilizing higher market rent values to qualify instead of amount listed on the appraisal. | Reviewer Comment (2026-04-17): updated 1008 showing [redacted] monthly income and DSCR [redacted] Buyer Comment (2026-04-15): 1008rev Buyer Comment (2026-04-15): [redacted]has recalculated DSCR and agrees with investor. Please review 1008 and clear. |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225451138 | [Redacted] | [Redacted] | 36275685 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The Certificate of Good Standing provided is dated [redacted], is not dated within [redacted] days of the Note dated [redacted] | Reviewer Comment (2026-04-28): Certificate of Good Standing, cleared Buyer Comment (2026-04-27): Good standing |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225452399 | [Redacted] | [Redacted] | 36264981 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to missing copy of signed and dated [redacted] years 1040s and 1120S returns | Reviewer Comment (2026-05-11): Loan is NonQM Buyer Comment (2026-05-07): This loan is approved on the [redacted] Full Doc program and the [Redacted] programs do not specify that tax returns must be signed. Copies of the tax returns have been provided. |
05/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225452399 | [Redacted] | [Redacted] | 36264982 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | File is missing copy of signed and dated [redacted] years 1040s and 1120S returns | Reviewer Comment (2026-05-11): documentation meets lender's guides. Buyer Comment (2026-05-07): This loan is approved on the [redacted]Full Doc program and the [redacted] programs do not specify that tax returns must be signed. Copies of the tax returns have been provided. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225452779 | [Redacted] | [Redacted] | 36272219 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | [redacted] day [redacted] mortgage late payments within [redacted] months are reported on credit report. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-07): Please see attached Exception approval to allow for FICO of [redacted]. |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225452779 | [Redacted] | [Redacted] | 36272244 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement for REO property. | Reviewer Comment (2026-06-01): Lender used credit report to verify P&I payment and added/supported the tax, insurance and HOA separately. Condition cleared. Reviewer Comment (2026-05-21): Mortgage Statement or Note or Closing Disclosure missing for the REO property address " [redacted]" to verify the P&I. Exception remains. Buyer Comment (2026-05-19): Please provide the guidance you are going by that requires the mortgage statement. This is not a required document. Please check the guidelines. Reviewer Comment (2026-05-15): exception remains. Please provide current mortgage statement reflecting payment. Buyer Comment (2026-05-13): Per program guidelines: "Mortgage statements for other owned properties are required solely to the extent that they are necessary to validate the payment histories on other owned properties. If Company is able to validate the payment history through other means, then the mortgage statement is not necessary. Taxes, insurance, homeowner's association dues statements, and/or other evidence of carrying costs for other properties owned do not need to be documented or verified." Reviewer Comment (2026-05-11): Mortgage statement is required for the property "[redacted]". Exception remains. Buyer Comment (2026-05-07): Per Program guidelines, this is a rolling late and is counted as only [redacted]x [redacted]mortgage late in the last [redacted]month and there are [redacted]x[redacted] mortgage lates therefore per the guidelines, the payment history meets program guidelines. Verbiage from the program guidelines: "Any housing reference provided or listed on credit (rent or mortgage) must not be more than [redacted]x[redacted] in the most recent [redacted]months, based on either the date of the credit report in the file or mortgagxxxx lines reporting on credit, unless more recent information is provided. For non-rated trade lines, then it would be based on the most recent documentation in file. A continuous update of the housing payment ratings is not required. In the event that an Applicant has a rolling [redacted]-day housing late, the lates will be treated as [redacted]late provided the period with the rolling lates does not exceed [redacted] months nor does the delinquency reach [redacted]days." |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225452779 | [Redacted] | [Redacted] | 36286483 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted]. Exception approved for [redacted] FICO score but exception approval form is missing in file. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-07): The only time a mortgage statement is required is if you are trying to prove that tax and insurance are included in the payment. In this case, it is not, therefore the tax and insurance obligation has been verified separately. |
05/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225452780 | [Redacted] | [Redacted] | 36272256 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to Lender utilizing a higher amount of [redacted] for primary mortgage obligations than [redacted] reflected in source document. | Reviewer Comment (2026-05-13): [redacted]added in debt obligation, DTI within threshold, exception cleared. Buyer Comment (2026-05-11): Rebuttal Reviewer Comment (2026-04-29): As per the VOR rent amount is [redacted]however this property "[redacted]" is not showing on final 1003, Exception remains. Buyer Comment (2026-04-28): Lot rent of [redacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225452780 | [Redacted] | [Redacted] | 36272287 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-05-14): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-04-29): As per the VOR rent amount is [redacted] however this property "[redacted]" is not showing on final 1003, Exception remains. Buyer Comment (2026-04-28): see support docs |
05/14/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225452780 | [Redacted] | [Redacted] | 36272288 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to DTI discrepancy. | Reviewer Comment (2026-05-14): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-05-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-04-29): As per the VOR rent amount is [redacted]however this property "[redacted]" is not showing on final 1003, Exception remains. Buyer Comment (2026-04-28): see support docs |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225452782 | [Redacted] | [Redacted] | 36275868 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-30): Received Title policy with Policy amount. Exception Cleared. Buyer Comment (2026-04-28): See page [redacted] Buyer Comment (2026-04-28): Supplement |
04/30/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225452782 | [Redacted] | [Redacted] | 36276506 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan Estimate is required to be delivered to borrower within [redacted] business days of Application Date. | Reviewer Comment (2026-04-29): [redacted]received earliest e-consent. Buyer Comment (2026-04-28): eConsent |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225452783 | [Redacted] | [Redacted] | 36273085 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-05-06): Final closing statement provided. Exception cleared. Buyer Comment (2026-05-05): Please see attached HUD |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225452802 | [Redacted] | [Redacted] | 36272071 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI increase, negative net cash flow amount of -[redacted] included in DTI calculation for [redacted]. | Reviewer Comment (2026-06-01): Cleared. Excluded [redacted] installment with less than [redacted]months remaining. Buyer Comment (2026-05-28): exception aprvl upld, also see comments on uw transmittal on [redacted] Reviewer Comment (2026-05-13): Provided CD of [redacted] is already considered for bridge loan and no PITIA of this property has been considered under ratio. There is a [redacted]home [redacted], is this property is getting paid off then please confirm also there is liability of [redacted]with payment of [redacted] which is less than [redacted]months after excluding this from ratio, DTI shoots to [redacted]%. Please provided updated 1008 & 1003 if this is getting excluded. Buyer Comment (2026-05-11): revised 1008 and cd for [redacted] loan on [redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225452802 | [Redacted] | [Redacted] | 36272239 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI increase, negative net cash flow amount of -[redacted] included in DTI calculation for[redacted] | Reviewer Comment (2026-06-01): Cleared. Excluded [redacted]installment with less than [redacted]months remaining. Buyer Comment (2026-05-28): exception aprvl upld to trl docs, also see comments on uw transmittal on [redacted] Reviewer Comment (2026-05-13): Provided CD of [redacted] is already considered for bridge loan and no PITIA of this property has been considered under ratio. There is a [redacted]home [redacted], is this property is getting paid off then please confirm also there is liability of [redacted] with payment of $[redacted]which is less than [redacted]months after excluding this from ratio, DTI shoots to [redacted]%. Please provided updated 1008 & 1003 if this is getting excluded. Buyer Comment (2026-05-11): revised 1008 and cd for [redacted] loan on [redacted] upld to trl docs |
06/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225452802 | [Redacted] | [Redacted] | 36272240 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | [redacted] due to DTI increase, negative net cash flow amount of -[redacted] included in DTI calculation for[redacted] | Reviewer Comment (2026-06-01): Cleared. Excluded [redacted] installment with less than [redacted]months remaining. Reviewer Comment (2026-06-01): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-28): exception aprvl upld to trl docs, also see comments on uw transmittal on [redacted] Reviewer Comment (2026-05-13): Provided CD of [redacted] is already considered for bridge loan and no PITIA of this property has been considered under ratio. There is a [redacted]home [redacted], is this property is getting paid off then please confirm also there is liability of [redacted] with payment of [redacted] which is less than [redacted]months after excluding this from ratio, DTI shoots to [redacted]%. Please provided updated 1008 & 1003 if this is getting excluded. Buyer Comment (2026-05-11): revised 1008 and cd for [redacted] loan on [redacted] se [redacted] docs |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225452802 | [Redacted] | [Redacted] | 36272241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [redacted] due to DTI increase, negative net cash flow amount of -[redacted] included in DTI calculation for[redacted] | Reviewer Comment (2026-06-01): Cleared. Excluded [redacted] installment with less than [redacted]months remaining. Buyer Comment (2026-05-28): exception aprvl upld to trl docs, also see comments on uw transmittal on [redacted] Reviewer Comment (2026-05-13): Provided CD of [redacted] is already considered for bridge loan and no PITIA of this property has been considered under ratio. There is a [redacted]home [redacted], is this property is getting paid off then please confirm also there is liability of [redacted] with payment of [redacted] which is less than [redacted]months after excluding this from ratio, DTI shoots to [redacted]%. Please provided updated 1008 & 1003 if this is getting excluded. Buyer Comment (2026-05-11): revised 1008 and cd for [redacted] loan on [redacted] upld to trl docs |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225452802 | [Redacted] | [Redacted] | 36272284 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [redacted] Loan Estimate and again on [redacted] Closing Disclosure with no valid change evident. | Reviewer Comment (2026-05-29): [redacted]Received Valid COC dated [redacted]. Buyer Comment (2026-05-28): a coc for [redacted] was also provided on [redacted]with corresponding lock on [redacted], there were [redacted] increases Reviewer Comment (2026-05-12): [redacted]received COC dated [redacted].However, the fee increased on CD dated [redacted] for [redacted].Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-11): coc details for both points increases upld |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225452802 | [Redacted] | [Redacted] | 36272286 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI increase, negative net cash flow amount of -[redacted] included in DTI calculation for [redacted] | Reviewer Comment (2026-06-01): Cleared. Excluded [redacted] installment with less than [redacted]months remaining. Buyer Comment (2026-05-28): exception aprvl upld to trl docs, also see comments on uw transmittal on [redacted] Reviewer Comment (2026-05-13): Provided CD of [redacted] is already considered for bridge loan and no PITIA of this property has been considered under ratio. There is a [redacted]home [redacted], is this property is getting paid off then please confirm also there is liability of xxxx with payment of [redacted]which is less than [redacted]months after excluding this from ratio, DTI shoots to [redacted]%. Please provided updated 1008 & 1003 if this is getting excluded. Buyer Comment (2026-05-11): revised 1008 and cd for [redacted] loan on 1[redacted]upld to trl docs |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225452802 | [Redacted] | [Redacted] | 36628796 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for [redacted] equity on departing residence is requested wehn guidelines require miniumum [redacted] when excluding payment from DTI. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-01): Client elects to waive with compensating factors. |
06/01/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225453493 | [Redacted] | [Redacted] | 36274732 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |
04/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225453493 | [Redacted] | [Redacted] | 36274733 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |
04/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225453493 | [Redacted] | [Redacted] | 36274780 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-07): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-05-05): Please see attached eConsent |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225453494 | [Redacted] | [Redacted] | 36272273 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Variance in DTI due to income calculated from recent bank statements which in not matching with qualified income on loan. | Reviewer Comment (2026-05-06): Updated 1008, 1003 received. Buyer Comment (2026-05-05): Updated 1008/1003 with DTI at [redacted] |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225453494 | [Redacted] | [Redacted] | 36272278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Variance in DTI due to income calculated from recent bank statements which in not matching with qualified income on loan. | Reviewer Comment (2026-05-06): Updated 1008, 1003 received. |
05/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225453494 | [Redacted] | [Redacted] | 36272279 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Variance in DTI due to income calculated from recent bank statements which in not matching with qualified income on loan. | Reviewer Comment (2026-05-06): Updated 1008, 1003 received. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225453497 | [Redacted] | [Redacted] | 36291930 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for [redacted] | Reviewer Comment (2026-05-07): Received Revised 1003 and 1008, MIP/PMI amount [redacted] is excluded from current liabilities as it's part of escrow payment of [redacted] lien, information validated. Exception Cleared. Buyer Comment (2026-05-05): Please see credit report ([redacted]) which confirms this is a HELOC which escrows are not included in HELOC loan therefore the tax ([redacted]) and insurance ([redacted]) have been separately verified. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225453589 | [Redacted] | [Redacted] | 36287109 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance: Lenders DTI [redacted]. Review DTI [redacted]. Variance is due to lenders calculation of [redacted] per month for Taxes and insurance plus HOA fees vs actual amount of [redacted] per month. | Reviewer Comment (2026-05-01): Cleared. Received updated 1008. Buyer Comment (2026-04-30): revised 1008 upld |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225455085 | [Redacted] | [Redacted] | 36276058 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount was not provided. | Reviewer Comment (2026-04-29): Received title preliminary with coverage amount, Exception cleared. Buyer Comment (2026-04-28): Updated Title |
04/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225455085 | [Redacted] | [Redacted] | 36277009 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] | Reviewer Comment (2026-05-21): The original Appraisal received with delivery details. Details verified and updated. Exception cleared. Reviewer Comment (2026-05-06): Required Right to Receive Copy of Appraisal within [redacted] business days prior to the Note date. Exception Remains. Buyer Comment (2026-05-05): Right to receive appraisal Reviewer Comment (2026-04-29): Please provide right to receive copy of appraisal document which shows valuation to applicant [redacted]([redacted]) business days prior to consummation, Exception remains. Buyer Comment (2026-04-28): Appraisal receipt |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225455085 | [Redacted] | [Redacted] | 36277012 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant t[redacted] business days prior to consummation. | Reviewer Comment (2026-05-21): The original Appraisal received with delivery details. Details verified and updated. Exception cleared. Buyer Comment (2026-05-19): The original appraisal was received on [redacted] at a [redacted]value, the final appraisal received on [redacted] was a clerical correction and the value did not change. Appraiser just commented on the subject porch. See original appraisal attached Reviewer Comment (2026-04-29): Please provide right to receive copy of appraisal document which shows valuation to applicant [redacted]([redacted]) business days prior to consummation, Exception remains. Buyer Comment (2026-04-28): See appraisal receipt |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225455085 | [Redacted] | [Redacted] | 36277209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] due to Recording fees. No valid COC in file. | Reviewer Comment (2026-04-29): [redacted]: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-28): See [redacted]page [redacted] for consummation CD , page [redacted] has the cure at the bottom |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225455085 | [Redacted] | [Redacted] | 36406154 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225455085 | [Redacted] | [Redacted] | 36549293 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | The Proof of appraisal delivery is not prior to [redacted] business days of Note. | Buyer Comment (2026-06-02): OK to waive, on approved waiver list from [redacted] Reviewer Comment (2026-06-02): EV [redacted] for informational purposes only. DD is unable to clear or cancel. Lender may choose to waive. Buyer Comment (2026-05-29): please see attached printout from appraiser website and system notes confirming revised appraisal was for a clerical correction Reviewer Comment (2026-05-29): Citing is an EV [redacted] for informational purposes only. DD is unable to clear or cancel. Lender may choose to waive. Reviewer Comment (2026-05-29): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted]([redacted]) business days prior to consummation. (Type:Primary/[redacted]) Buyer Comment (2026-05-27): Please see attached below. The original appraisal was sent to the borrower and viewed on [redacted] at a value of [redacted] the final appraisal was at the same value . Looks like there was an underwriting condition for the appraiser to comment on the subject front porch. The report on [redacted] was only clerical and did not change value. The [redacted] day should not be observed here. Please remove condition |
06/02/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225455172 | [Redacted] | [Redacted] | 36278206 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Error: Birth Date was not provided | - | Not required for member. Please override | Reviewer Comment (2026-04-28): Member details are not required. Exception cleared. Buyer Comment (2026-04-24): Not required |
04/28/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225455172 | [Redacted] | [Redacted] | 36279931 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution was not signed by borrower. | Reviewer Comment (2026-05-14): Corporate Resolution, cleared Buyer Comment (2026-05-14): Corp res |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225455172 | [Redacted] | [Redacted] | 36282400 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing in file not dated with [redacted] days of the note date as stated on guides | Reviewer Comment (2026-05-14): Certificate of Good Standing, cleared Buyer Comment (2026-05-14): Cert |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225455194 | [Redacted] | [Redacted] | 36277907 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy not provided. | Reviewer Comment (2026-05-05): Received hazard policy. Exception cleared. Buyer Comment (2026-05-04): hoi upld |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225455194 | [Redacted] | [Redacted] | 36277908 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter not provided in file. | Reviewer Comment (2026-05-22): Lender removed the gift funds. Condition cleared. Buyer Comment (2026-05-20): please cancel, sufficient assets were provided, gift funds not needed - reserves was [redacted] with verified assets of [redacted] |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225455194 | [Redacted] | [Redacted] | 36287417 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift letter for [redacted] not provided in file. | Reviewer Comment (2026-05-22): Lender removed the gift funds. Condition cleared. Buyer Comment (2026-05-20): please cancel, sufficient assets were provided, gift funds not needed - reserves was [redacted] with verified assets of [redacted] |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225455194 | [Redacted] | [Redacted] | 36287678 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to Gift letter missing for [redacted] for primary borrower. | Reviewer Comment (2026-05-22): Lender removed the gift funds. Condition cleared. Buyer Comment (2026-05-20): please cancel, sufficient assets were provided, gift funds not needed - reserves was [redacted] with verified assets of [redacted] |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225455194 | [Redacted] | [Redacted] | 36289962 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Error: Citizenship Source Documentation was not provided | - | Verification of non permenent resident alien not found in file | Reviewer Comment (2026-06-03): Received translated ITIN form. Condition cleared. Buyer Comment (2026-06-01): rebuttal upld Reviewer Comment (2026-06-01): ITIN for co borrower "[redacted]" with legible format required. Exception remains. Buyer Comment (2026-05-28): the itin for [redacted]is on [redacted], page [redacted] Reviewer Comment (2026-05-27): Received ITIN form is for [redacted] borrower. ITIN for co-borrower "[redacted]" is required . Exception remains. Buyer Comment (2026-05-26): itin for co-bwr upld Reviewer Comment (2026-05-22): Reviewed CPA letter, however the file will require the [redacted]ITIN paperwork from the IRS. Buyer Comment (2026-05-20): please cancel, the information is on item #[redacted] of the cpa letter ([redacted]) and the itin doc is on [redacted], the "[redacted]" watermark is present due to it being a photo copy. |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225455928 | [Redacted] | [Redacted] | 36274950 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to bank statement provided was dated more than [redacted] days prior to closing. | Reviewer Comment (2026-05-05): Loan is NonQM Buyer Comment (2026-05-04): thxxxxr [redacted]statement for [redacted] is a [redacted]statement from [redacted]-[redacted] and should be sufficient. |
05/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225455928 | [Redacted] | [Redacted] | 36289985 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay ([redacted]): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted]days prior to closing. | Bank statement provided was dated more than [redacted] days prior to closing. However, guidelines allow up to [redacted] days from note date. | Reviewer Comment (2026-05-05): Cleared. Per guidelines, documenttion for Asset Statement for Asset Qualifier is Maximum [redacted]Days prior to Note Date. Documentation meets lender guideline requirement. Buyer Comment (2026-05-04): thxxxxr [redacted]statement for [redacted]is a [redacted]statement from [redacted]-[redacted] and should be sufficient. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225458974 | [Redacted] | [Redacted] | 36278054 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to [redacted]listing [redacted] of Co-mtgs however there is no documentation to verify this found in the file. | Reviewer Comment (2026-04-29): Rent expense updated in credit section. Exception cleared. Buyer Comment (2026-04-28): See rebuttal |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225458974 | [Redacted] | [Redacted] | 36278059 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-29): E-Sign consent agreement provided. Exception cleared. Buyer Comment (2026-04-28): eConsent |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225458974 | [Redacted] | [Redacted] | 36278159 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy | Reviewer Comment (2026-04-29): Rent expense updated in credit section. Exception cleared. Buyer Comment (2026-04-28): See rebuttal |
04/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225458974 | [Redacted] | [Redacted] | 36278160 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]: Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI discrepancy due to 1008 listing [redacted] of Co-mtgs however there is no documentation to verify this found in the file. | Reviewer Comment (2026-04-29): Rent expense updated in credit section. Exception cleared. Buyer Comment (2026-04-28): The [redacted] is the primary residence and rents on [redacted]address for [Redacted] Buyer Comment (2026-04-28): The [redacted]is the primary residence and rents on [redacted]address for [Redacted] |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225458974 | [Redacted] | [Redacted] | 36289994 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception is missing from the file. Final [redacted]reference exception to allow [redacted] LTV using all income & assets from the NOCA. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-29): Client elects to waive with compensating factors. Buyer Comment (2026-04-28): Exception |
04/29/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225458974 | [Redacted] | [Redacted] | 36368189 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided to permit a rural manufactured home. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-29): Client elects to waive with compensating factors. |
04/29/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225459078 | [Redacted] | [Redacted] | 36278089 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-29): Income is not considered for qualification purpose for employer [redacted]Advertising reflected on final 1003. Exception cleared Buyer Comment (2026-04-28): see rebut |
04/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225459078 | [Redacted] | [Redacted] | 36278091 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than [redacted]Months | Ability to Repay ([redacted]: Guidelines require less than [redacted] consecutive months bank statements. | [redacted] consecutive months bank statements for [redacted] are not located in the file. | Reviewer Comment (2026-04-29): Income is not considered for qualification purpose for employer [redacted]Advertising reflected on final 1003. Exception cleared Buyer Comment (2026-04-28): see rebut |
04/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225459078 | [Redacted] | [Redacted] | 36292544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] consecutive months bank statements for [redacted] are not located in the file. | Reviewer Comment (2026-04-29): Income is not considered for qualification purpose for employer [redacted]Advertising reflected on final 1003. Exception cleared Buyer Comment (2026-04-28): see rebut |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225459078 | [Redacted] | [Redacted] | 36292547 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] consecutive months bank statements for [redacted] are not located in the file. | Reviewer Comment (2026-04-29): Income is not considered for qualification purpose for employer [redacted]Advertising reflected on final 1003. Exception cleared Buyer Comment (2026-04-28): see rebut |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225459078 | [Redacted] | [Redacted] | 36292596 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] consecutive months bank statements for [redacted] are not located in the file. | Reviewer Comment (2026-04-29): Income is not considered for qualification purpose for employer [redacted]Advertising reflected on final 1003. Exception cleared Buyer Comment (2026-04-28): Income not needed, removed |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225459078 | [Redacted] | [Redacted] | 36364446 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted]would need to provide updated Bid tape for the DTI. | Reviewer Comment (2026-05-11): Received updated 1008 and 1003. DTI is matching and within the tolerance. Exception cleared. Buyer Comment (2026-05-07): Updated 1008/1003 |
05/11/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225459975 | [Redacted] | [Redacted] | 36277946 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided for property located at [redacted] | Reviewer Comment (2026-04-29): Received Mortgage statement for both lien. Exception Cleared. Buyer Comment (2026-04-28): Statement and bank statement showing the [redacted]Helocs Buyer Comment (2026-04-28): Statement and bank statement showing the [redacted] Helocs |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225459975 | [Redacted] | [Redacted] | 36277967 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Both borrowers answered yes to [redacted]question F " Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?" | Reviewer Comment (2026-04-29): Received updated 1003 for both borrower. Exception Cleared. Buyer Comment (2026-04-28): Removed as referencing loans already disclosed |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225460079 | [Redacted] | [Redacted] | 36278932 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provided Closing Statement is estimated. Please provide Executed Final HUD-1 or Closing Statement. | Reviewer Comment (2026-05-01): Final Closing Statement, cleared Buyer Comment (2026-05-01): final ss upld |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225460454 | [Redacted] | [Redacted] | 36295942 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | [redacted] Signed [redacted] Missing Notary page | Reviewer Comment (2026-05-04): Received notary page from non-borrowing spouse, Exception cleared. Buyer Comment (2026-05-01): Please see attached |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225460459 | [Redacted] | [Redacted] | 36286738 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Closing statement in file is estimated . Please provide Final closing statement | Reviewer Comment (2026-05-07): Final HUD/CD, cleared Buyer Comment (2026-05-07): Final ALTA |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225460547 | [Redacted] | [Redacted] | 36294387 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-07): E-Sign Consent Agreement provided and associated. Exception cleared Buyer Comment (2026-05-06): Please see attached eConsent |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225460592 | [Redacted] | [Redacted] | 36278818 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Issue date is missing. | Reviewer Comment (2026-05-04): Signed and dated letter is already in file, Exception cleared. Buyer Comment (2026-05-01): both cpa letters [redacted]& [redacted]are dated and the updated [redacted]has the tax year, the business document on [redacted]is also dated, if these are not the document you are referring to , please clarify. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225460592 | [Redacted] | [Redacted] | 36278842 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-05-04): Signed and dated letter is already in file, Exception cleared. Buyer Comment (2026-05-01): both cpa letters [redacted]& [redacted]are dated and the updated [redacted]has the tax year, the business document on [redacted]is also dated, if these are not the document you are referring to , please clarify. |
05/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225460592 | [Redacted] | [Redacted] | 36278843 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-05-04): Signed and dated letter is already in file, Exception cleared. Buyer Comment (2026-05-01): both cpa letters [redacted]& [redacted]are dated and the updated [redacted]has the tax year, the business document on [redacted]is also dated, if these are not the document you are referring to , please clarify. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225462196 | [Redacted] | [Redacted] | 36279407 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee. was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-07): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-06): Please see attached. This fee was already refunded on the final CD |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225462196 | [Redacted] | [Redacted] | 36279409 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-07): [redacted]received Post CD and LOX. Buyer Comment (2026-05-06): Please see attached. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225462196 | [Redacted] | [Redacted] | 36294606 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Business search document is missing date. | Reviewer Comment (2026-05-08): An additional business search is not required; CPA letter already confirms business in good standing and is within [redacted]days. Buyer Comment (2026-05-06): Please see the date at the top of the pages which show[redacted] which is within the timeframe. Please clear condition. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225462196 | [Redacted] | [Redacted] | 36294618 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to business search document missing date. | Reviewer Comment (2026-05-08): An additional business search is not required; CPA letter already confirms business in good standing and is within [redacted]days. Buyer Comment (2026-05-06): Waterfall condition. Please clear. |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225462196 | [Redacted] | [Redacted] | 36294619 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to business search document missing date. | Reviewer Comment (2026-05-08): An additional business search is not required; CPA letter already confirms business in good standing and is within [redacted]days. Buyer Comment (2026-05-06): Waterfall condition. Please clear |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225462196 | [Redacted] | [Redacted] | 36414037 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225462264 | [Redacted] | [Redacted] | 36283962 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds was not found in file. | Reviewer Comment (2026-05-28): Received Business entity listing. Exception Cleared. Buyer Comment (2026-05-27): business search showing bwr owns llc upld Reviewer Comment (2026-05-06): Please provide evidence of access to funds for the entity [redacted]. CPA letter reflect ownership for [redacted]. Exception Remains. Buyer Comment (2026-05-04): cpa verifying bwr is [redacted]% owner of business was provided on [redacted] |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225462264 | [Redacted] | [Redacted] | 36283964 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | HO6 policy was not found in file. | Reviewer Comment (2026-05-28): Hazard insurance policy reflects as walls in. Exception Cleared. Buyer Comment (2026-05-26): sufficient insurance information was provided, the eoi confirms the master policy includes walls in. Reviewer Comment (2026-05-06): Exception remains. HO6 policy is required Buyer Comment (2026-05-04): please cancel, the remarks section of the master policy on [redacted]reflects walls in is included. |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225462264 | [Redacted] | [Redacted] | 36315729 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy - LTV | Reviewer Comment (2026-04-23): Purchase addendum with reduced sales price [redacted] is provided and final closing statement also disclosed sales price as [redacted]. LTV matches. Exception cleared. Buyer Comment (2026-04-22): [redacted]respectfully disagrees with LTV calculation. Please review attached purchase addendum which reduced sales price to [redacted]. [redacted]/[redacted] = [redacted] Buyer Comment (2026-04-22): Addendum - Price Reduction |
04/23/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225463646 | [Redacted] | [Redacted] | 36284377 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated LTV of [redacted]% exceeds guideline maximum allowable LTV based on FICO of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. Buyer Comment (2026-04-29): Exception |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225463646 | [Redacted] | [Redacted] | 36284378 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated CLTV of [redacted]% exceeds guideline maximum allowable CLTV based on FICO of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. Buyer Comment (2026-04-29): See exception |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225463646 | [Redacted] | [Redacted] | 36382485 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for use of cash out for reserves. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. |
05/01/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| 225463646 | [Redacted] | [Redacted] | 36382486 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for vesting entity with more than two layers. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with compensating factors. |
05/01/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| 225463805 | [Redacted] | [Redacted] | 36284330 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-04): Received CDA, Exception cleared. Buyer Comment (2026-05-01): Please see attached. |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225463813 | [Redacted] | [Redacted] | 36284592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to an increase in recording fee. No valid Changed Circumstance provided, no evidence of cure in file. | Reviewer Comment (2026-05-12): [redacted]received a valid COC. Buyer Comment (2026-05-11): [redacted] - Will Pushed back as the final CD shows a cure for [redacted]for the under-disclosed credit report. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463813 | [Redacted] | [Redacted] | 36284593 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-05-12): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-05-11): Please see final CD showing a cure for [redacted]to cure v[Redacted]tion for underdisclosed credit report fee. |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463813 | [Redacted] | [Redacted] | 36452046 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225463814 | [Redacted] | [Redacted] | 36284656 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-04): Received e-sign consent agreement, Exception cleared. Buyer Comment (2026-05-01): eConsent |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225463814 | [Redacted] | [Redacted] | 36284694 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Missing Secondary Valuation. The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-04): Received UCDP summary report showing CU score is [redacted] hence not required [redacted]valuation, Exception cleared. Buyer Comment (2026-05-01): UCDP score is [redacted] , should be required to have secondary valuation |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225463814 | [Redacted] | [Redacted] | 36284709 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy. | Reviewer Comment (2026-05-04): Received hazard insurance policy, Exception cleared. Buyer Comment (2026-05-01): Hazard |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225463814 | [Redacted] | [Redacted] | 36284711 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Policy is missing. | Reviewer Comment (2026-05-04): Received hazard insurance policy, Exception cleared. Buyer Comment (2026-05-01): See hazard |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225463814 | [Redacted] | [Redacted] | 36284718 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to the Survey Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-21): [redacted]received Post CD and LOX. Buyer Comment (2026-05-20): Escrow confirms Reviewer Comment (2026-05-19): [redacted]received Post CD and LOX by moving fee to section H. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-18): [redacted]party fee moved to section H |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225463814 | [Redacted] | [Redacted] | 36549702 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | [redacted]upon further review the lender credit decreased on CD dated [redacted] therefore we would require a valid COC for the fee decreased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-06-01): [redacted]received updated CD and valid changed circumstance. Buyer Comment (2026-05-29): please see attached [redacted] ICD and COC. lender credit was removed due to borrower choice to increase discount charge to keep the loan compliant. this is reflected on lock [redacted] doc [redacted](prior to ICD\COC) and lock doc [redacted](after ICD\COC). |
06/01/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225463815 | [Redacted] | [Redacted] | 36284767 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee exceeds tolerance by $[redacted]. Lender provided cure on final Closing Disclosure, however, the amount of cure is $[redacted], which is insufficient. | Reviewer Comment (2026-05-11): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-07): please cancel, this was cures at closing on the final cd, the correct cure was [redacted] ([redacted] initially disclosed, cents rounds on the LE) |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225463815 | [Redacted] | [Redacted] | 36435812 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225463816 | [Redacted] | [Redacted] | 36284409 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased to $[redacted]without a valid change of circumstance however cure was provided to the borrower. | Reviewer Comment (2026-04-15): Sufficient Cure Provided At Closing |
04/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225463816 | [Redacted] | [Redacted] | 36284410 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of[redacted]. | RTC shows the right to Rescission date as [redacted], whereas the Final Closing disclosure shows the disbursement date as [redacted]. | Reviewer Comment (2026-05-04): Final closing statement with Disbursement date [redacted]. Exception cleared. Buyer Comment (2026-04-30): Final Settlement Statement , file disbursed on [redacted] |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225463990 | [Redacted] | [Redacted] | 36292991 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy was not found in the loan file. | Reviewer Comment (2026-04-29): Hazard Insurance policy, cleared Buyer Comment (2026-04-29): Hazard |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225464151 | [Redacted] | [Redacted] | 36284628 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-24): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-04-22): Please see attached. |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293896 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Missing OFAC search for the borrowing entity and guarantor. | Reviewer Comment (2026-04-23): Received OFAC search results. Condition cleared. Reviewer Comment (2026-04-23): Provided OFAC is incomplete, require complete OFAC report with name and date. Exception Remains. Seller Comment (2026-04-21): Please see attached OFAC searching for guarantors and the entity |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293897 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Secondary valuation is missing in file. | Reviewer Comment (2026-04-23): Received CDA report in the file. Exception Cleared. Seller Comment (2026-04-21): Please see attached CDA report |
04/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293898 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing asset documentation in file. | Reviewer Comment (2026-04-28): Statements provided Seller Comment (2026-04-28): bank statements showing EMD Seller Comment (2026-04-28): bank statements Reviewer Comment (2026-04-28): As stated in the prior email, evidence would be required that these funds cleared the borrower's bank accounts. Those specific bank statements were not included in the loan file. Seller Comment (2026-04-27): copies of checks Seller Comment (2026-04-24): Please see attached Closing Attorney's [Redacted] bank account transaction history with evidence of two $[redacted]EMD check clearance and email confirmation for the deposits. Seller Comment (2026-04-24): Please see attached Closing Attorney's I[redacted] account transaction history with evidence of two $[redacted]EMD check clearance and email confirmation for the deposits. Reviewer Comment (2026-04-23): File remains missing evidence of the $[redacted] EMD. The source of those funds showing they cleared the borrower's [redacted] account is required. Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. Reviewer Comment (2026-04-23): Considered [redacted]asset balance under asset, however for EMD of $[redacted]deposit receipt is not sufficient, required source of funds for deposit. Please provided source of bank statement or wire confirmation for EMD. Exception Remains. Seller Comment (2026-04-21): Total CTC required to close include: Cash to closed from HUD ($[redacted]) which included the [redacted] month reserves of ([redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from borrower include: borrower's [redacted]account balance ($[redacted]. This verified amount is more than the required amount.[redacted] Seller Comment (2026-04-21): Total CTC required to close include: Cash to closed from HUD ($[redacted]) which included the [redacted] month reserves of ([redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from borrower include: borrower's [redacted] account balance ($[redacted]) + [redacted] month hold ([redacted]) + EMD ($[redacted]) + POC item ($[redacted]) = $[redacted]. This verified amount is more than the required amount. Seller Comment (2026-04-21): Total CTC required to close include: Cash to closed from HUD ($[redacted]) which included the [redacted] month reserves of ([redacted]) + EMD ($[redacted]) = $[redacted]. The assets verified from borrower include: borrower's [redacted]account balance ($[redacted]) + [redacted] month hold ([redacted]) + EMD ($[redacted]) + POC item ($[redacted]) = $[redacted]. This verified amount is more than the required amount. |
04/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293906 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy in file. | Reviewer Comment (2026-04-23): Received Hazard Insurance Policy in the file. Exception Cleared. Seller Comment (2026-04-21): Please see attached Hazard Insurance Binder |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293907 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Missing Flood Certificate in file. | Reviewer Comment (2026-04-23): Received Flood Certificate in the file. Exception Cleared. Seller Comment (2026-04-21): Please see the attached Flood Certification |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293908 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Missing Fraud Report in file | Reviewer Comment (2026-04-23): Received Lexis Nexis report for the entity and guarantors in the file. Exception Cleared. Seller Comment (2026-04-21): Please see the attached [redacted] report for the entity and guarantors. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293912 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Missing Fraud Report in file. | Reviewer Comment (2026-04-23): Received Lexis Nexis report for the entity and guarantors in the file. Exception Cleared. Seller Comment (2026-04-21): Please see attached [redacted] report for Entity and guarantors. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293914 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Missing credit report in file. | Reviewer Comment (2026-04-23): Received Credit Report for all Guarantors in the file. Exception Cleared. Seller Comment (2026-04-21): Please see attached credit report |
04/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293915 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC search in file. | Reviewer Comment (2026-04-23): OFAC searches provided. Cleared. Reviewer Comment (2026-04-23): Provided OFAC is incomplete, require complete OFAC report with name and date. Exception Remains. Seller Comment (2026-04-21): Please see attached OFAC Search |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293920 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Missing Corporate Resolution/Unanimous Consent and Resolution to Borrow for borrowing business entity. | Reviewer Comment (2026-04-23): Received Corporate Resolution in the file. Exception Cleared. Seller Comment (2026-04-21): Please see attached OFAC Search Seller Comment (2026-04-21): Please see the attached corporate resolution. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293944 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Lender DSCR [redacted]and Review DSCR [redacted]. Used market rent [redacted]at [redacted]% for DSCR calculation. | Reviewer Comment (2026-04-23): Received required documentation. Condition cleared. Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Seller Comment (2026-04-21): Please review the attached UW Checklist and Summary for our DSCR calculation. The rear store and [redacted]-car garage were excluded |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293949 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing Asset documentation in file | Reviewer Comment (2026-04-23): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-04-23): Considered [redacted]asset balance under asset, however for EMD of $[redacted]deposit receipt is not sufficient, required source of funds for deposit. Please provided source of bank statement or wire confirmation for EMD. Exception Remains. Seller Comment (2026-04-21): PITI is [redacted], [redacted] month reserve is [redacted]. The [redacted]reserve balance provides evidence of reserves in the borrower's account. PITI is [redacted], [redacted] month reserve is [redacted]. The [redacted]reserve balance provides evidence of reserves in the borrower's account. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36293950 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Missing Credit report in file. | Reviewer Comment (2026-04-23): Received Credit Report for all Guarantors in the file. FICO requirement met. Exception Cleared. Seller Comment (2026-04-21): Please see attached [redacted] credit reports for all guarantors. |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225464152 | [Redacted] | [Redacted] | 36328157 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-04-27): 442 - Certificate of completion provided with effective date [redacted]. Exception cleared. Seller Comment (2026-04-24): CDA WITH EFFECTIVE DATE OF [redacted] Seller Comment (2026-04-24): Please see the attached updated appraisal report and CDA report with the same effective date of [redacted] |
04/27/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||||||||
| 225464181 | [Redacted] | [Redacted] | 36284637 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee of $[redacted]disclosed on Final Closing Disclosure was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-05-27): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-04-28): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Appraisal Review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-27): Please see attached. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225464222 | [Redacted] | [Redacted] | 36284936 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $ [redacted]exceeds tolerance of $ [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-15): Sufficient Cure Provided At Closing |
04/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225464986 | [Redacted] | [Redacted] | 36292966 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-05-11): Final settlement statement, cleared Buyer Comment (2026-05-08): Please see attached Settlement Statement. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225464986 | [Redacted] | [Redacted] | 36300796 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Final Title Policy was not found in file. | Reviewer Comment (2026-05-15): Received title commitment report. Exception cleared. Buyer Comment (2026-05-13): Please explain why final Title would be required on this one loan when it's never been a requirement before. If there's a one off for this particular loan, please provide explanation. Reviewer Comment (2026-05-11): Final title required Buyer Comment (2026-05-08): We are not required to provide Final Title Policy as they usually are not back to us by this point however, please see attached title commitment. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225464986 | [Redacted] | [Redacted] | 36300843 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final Title Policy was not found in file. | Reviewer Comment (2026-05-11): Title commitment, cleared Buyer Comment (2026-05-08): We are not required to provide Final Title Policy as they usually are not back to us by this point however, please see attached title commitment. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225465695 | [Redacted] | [Redacted] | 36292931 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Amount Financed. | Page [redacted]of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted]received full copy of Final CD Buyer Comment (2026-04-29): Consummation CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292932 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the APR. | Page [redacted]of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted]received full copy of Final CD Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292933 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Page [redacted] of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted]received complete pages of final CD. Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292934 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Finance Charge. | Page [redacted] of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted]received full copy of Final CD Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292935 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page [redacted] of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted] received full copy of Final CD Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Disclosures | Unable to determine if the Other Disclosures section of the Final Closing Disclosure provided on ([redacted]) was completed as expected due to missing information. | Page [redacted]of Final closing disclosure dated[redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted] received full copy of Final CD Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465695 | [Redacted] | [Redacted] | 36292937 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] did not disclose the Total of Payments. | Page [redacted] of Final closing disclosure dated [redacted] was not found in file. | Reviewer Comment (2026-04-30): [redacted]received full copy of Final CD Buyer Comment (2026-04-29): See CD |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465718 | [Redacted] | [Redacted] | 36476196 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225465797 | [Redacted] | [Redacted] | 36293003 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-04-16): Sufficient Cure Provided At Closing |
04/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225465811 | [Redacted] | [Redacted] | 36304079 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | A copy of the Deed transferring the property to the borrowing entity is missing. | Reviewer Comment (2026-05-11): Deed transferring the property to the borrowing entity, cleared Buyer Comment (2026-05-11): deed upld |
05/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225466153 | [Redacted] | [Redacted] | 36298496 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225466165 | [Redacted] | [Redacted] | 36293095 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-19): Received Esign Process Summary. Exception cleared. Buyer Comment (2026-05-15): Please see attached. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225466165 | [Redacted] | [Redacted] | 36293097 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds / Warranty / Grant / Quit-Claim of the current ownership transfer is missing. | Reviewer Comment (2026-05-29): Deed document received in file. Exception Cleared. Buyer Comment (2026-05-28): Please see attached. |
05/29/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225466165 | [Redacted] | [Redacted] | 36293100 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets are required to cover the reserve requirement of [redacted] months PITIA. Available reserve funds are [redacted]months PITIA. | Reviewer Comment (2026-05-29): As per AUS reserve are not required. Exception Cleared. Buyer Comment (2026-05-28): Please review DU on page [redacted] which shows that the reserve requirement is $[redacted]. Please clear condition. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225466165 | [Redacted] | [Redacted] | 36293106 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to additional assets is required to cover the reserve requirement of [redacted]months PITIA. Available reserve funds are [redacted]months PITIA. | Reviewer Comment (2026-05-29): As per AUS reserve are not required. Exception Cleared. Buyer Comment (2026-05-28): Waterfall, please clear condition. |
05/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225466165 | [Redacted] | [Redacted] | 36293107 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to additional assets is required to cover the reserve requirement of [redacted]months PITIA. Available reserve funds are [redacted] months PITIA. | Reviewer Comment (2026-05-29): As per AUS reserve are not required. Exception Cleared. Buyer Comment (2026-05-28): Waterfall, please clear condition. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225466165 | [Redacted] | [Redacted] | 36293108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-05-29): [redacted] Received disclosure summary showing borrower viewed the CD on [redacted]. Buyer Comment (2026-05-28): Please see attached. The CD was sent [redacted] days prior to closing. Please clear condition. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225466167 | [Redacted] | [Redacted] | 36293092 | Compliance | Compliance | State Compliance | State Defect | [redacted] [redacted]Prepayment Penalty Test [redacted]Investment Test | [redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty. | Buyer Comment (2026-05-07): ok to waive |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225466430 | [Redacted] | [Redacted] | 36298914 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount not provided in preliminary title policy. | Reviewer Comment (2026-04-23): Final Title policy received with coverage amount, exception cleared Seller Comment (2026-04-21): Title Policy Received |
04/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| 225466430 | [Redacted] | [Redacted] | 36298915 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the Final Title Policy. | Reviewer Comment (2026-04-23): Final Title policy received with coverage amount, exception cleared |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| 225466430 | [Redacted] | [Redacted] | 36302667 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement for [redacted] | Reviewer Comment (2026-04-23): Received mortgage statement for [redacted] exception cleared. Seller Comment (2026-04-21): Servicing and [redacted]payment |
04/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | ||||||||||
| 225466476 | [Redacted] | [Redacted] | 36296007 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Letter of Explanation document was not dated. | Reviewer Comment (2026-05-29): Letter of Explanation document received with date. Exception Cleared. Buyer Comment (2026-05-28): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225466476 | [Redacted] | [Redacted] | 36296034 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Letter of explanation missing date. | Reviewer Comment (2026-05-29): Letter of Explanation document received with date. Exception Cleared. Buyer Comment (2026-05-28): Waterfall. Please clear. |
05/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225466476 | [Redacted] | [Redacted] | 36296035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Letter of explanation missing date. | Reviewer Comment (2026-05-29): Letter of Explanation document received with date. Exception Cleared. Buyer Comment (2026-05-28): Waterfall. Please clear. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225466486 | [Redacted] | [Redacted] | 36298512 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-05-18): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-15): Please see final CD that shows the $[redacted]credit has already been given. Please clear condition. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225466486 | [Redacted] | [Redacted] | 36298514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Copy Or Fax Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Copy Or Fax Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted]Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-05-18): [redacted] Received Corrrected PCCD and LOE. Buyer Comment (2026-05-15): Updated section that the fee was listed in. Please see attached PCCD and LOX to clear condition. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225466486 | [Redacted] | [Redacted] | 36307995 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transaction Coordinator Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transaction Coordinator Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-05-18): [redacted] Received Corrrected PCCD and LOE. Buyer Comment (2026-05-15): Updated section that the fee was listed in. Please see attached PCCD and LOX to clear condition. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225466486 | [Redacted] | [Redacted] | 36522055 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At Closing |
05/18/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225466769 | [Redacted] | [Redacted] | 36301325 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC for member was not provided. | Reviewer Comment (2026-05-07): OFAC for member, cleared Buyer Comment (2026-05-06): ofac upld |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225469009 | [Redacted] | [Redacted] | 36298818 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-08): [redacted] appraisals provided. Buyer Comment (2026-05-06): We've provided [redacted] appraisal which can be seen in original delivery. Please clear |
05/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225469009 | [Redacted] | [Redacted] | 36298851 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-05-29): Updated 1008 and bid tape received. Buyer Comment (2026-05-27): updated 1003/1008 with new ratios |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225469009 | [Redacted] | [Redacted] | 36298856 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured/cleared. DTI discrepancy. | Reviewer Comment (2026-05-29): Received updated 1008 and bid tape. |
05/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225469009 | [Redacted] | [Redacted] | 36298857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide updated [redacted]and [redacted]documents for DTI discrepancy. | Reviewer Comment (2026-05-29): Received updated 1008 and bid tape. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225469009 | [Redacted] | [Redacted] | 36298872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Inspection fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-08): [redacted] received corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-05-06): PCCD with letter and rebuttal |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225469009 | [Redacted] | [Redacted] | 36309986 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Verified assets in the amount of $[redacted]are insufficient to meet the reserves requirement of $[redacted]. Final [redacted]reflects $[redacted] verified; however, required [redacted]months' reserves were not provided. Missing bank statements for account [redacted]($[redacted]) and account #[redacted]($[redacted]). | Reviewer Comment (2026-05-08): Bank statement received. Buyer Comment (2026-05-06): Assets |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225469013 | [Redacted] | [Redacted] | 36298753 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225469013 | [Redacted] | [Redacted] | 36298754 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225469013 | [Redacted] | [Redacted] | 36313844 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]indicates that there is an exception for [redacted]montns rent paid in cash however the exception approval document is not located in the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-24): Lender Exception with Compensating Factors provided. Buyer Comment (2026-04-22): Please see attached. |
04/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225469094 | [Redacted] | [Redacted] | 36298724 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VVOE not provided within [redacted]business days of note for employer of "[redacted]" of Co-Borrower. | Reviewer Comment (2026-05-26): VVOE received. Buyer Comment (2026-05-22): See VOE |
05/26/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225469094 | [Redacted] | [Redacted] | 36298726 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to VVOE not provided within [redacted] business days of note for employer of "[redacted]" of Co-Borrower. | Reviewer Comment (2026-05-26): VVOE received. Buyer Comment (2026-05-22): See voe |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225469094 | [Redacted] | [Redacted] | 36298734 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE not provided within [redacted]business days of note for employer of "[redacted]" of Co-Borrower. | Reviewer Comment (2026-05-26): VVOE received. Buyer Comment (2026-05-22): VOE |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225469094 | [Redacted] | [Redacted] | 36298737 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date not provided for CPA letter. | Reviewer Comment (2026-05-26): Received CPA letter with timestamp. Also, business narrative is already signed by CPA and dated [redacted]. Exception cleared. Buyer Comment (2026-05-22): CPA Letter received date confirmation, system time stamps Buyer Comment (2026-05-22): See VOE |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225469094 | [Redacted] | [Redacted] | 36298738 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-04): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-04-30): eConsent |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225469094 | [Redacted] | [Redacted] | 36298742 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to VVOE not provided within [redacted] business days of note for employer of "[redacted]" of Co-Borrower. | Reviewer Comment (2026-05-26): VVOE received. Buyer Comment (2026-05-22): See VVOE |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225469094 | [Redacted] | [Redacted] | 36298744 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE not provided within [redacted] business days of note for employer of "[redacted]" of Co-Borrower. | Reviewer Comment (2026-05-26): VVOE received. Buyer Comment (2026-05-22): See VVOE |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225469324 | [Redacted] | [Redacted] | 36298691 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Most recent ([redacted]) K-1 not provided for primary borrower. | Reviewer Comment (2026-05-29): Received K-1 of [redacted]and associated, exception cleared Buyer Comment (2026-05-28): [redacted] year end paystub was used in lieu of K-1, see [redacted] Reviewer Comment (2026-05-13): As per available income calculation worksheet in file require year [redacted] K-1 of primary borrower to clear the exception. Exception Remains. Buyer Comment (2026-05-11): [redacted] k-1 upld, [redacted]rears required [redacted] was provided in loan file Reviewer Comment (2026-05-11): The DU provided does not reflect that employment and income was validated. Buyer Comment (2026-05-07): please cancel, this is an agency conforming loan underwritten to du |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225469324 | [Redacted] | [Redacted] | 36309979 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Most recent ([redacted]) K-1 not provided for primary borrower. | Reviewer Comment (2026-05-29): Received K-1 of [redacted] and associated, exception cleared Buyer Comment (2026-05-28): [redacted] year end paystub was used in lieu of K-1, see [redacted] Reviewer Comment (2026-05-13): As per available income calculation worksheet in file require year [redacted] K-1 of primary borrower to clear the exception. Exception Remains. Buyer Comment (2026-05-11): [redacted] k-1 upld, [redacted]rears required [redacted] was provided in loan file Reviewer Comment (2026-05-11): The DU provided does not reflect that employment and income was validated. Per DU most recent tax returns are requied. Buyer Comment (2026-05-07): please cancel, this is an agency conforming loan underwritten to du |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225469324 | [Redacted] | [Redacted] | 36310595 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Please override; Lenders DTI of [redacted]% is within tolerance of review DTI of [redacted]%. | Reviewer Comment (2026-05-13): Received revised 1008 document, DTI discrepancy suffice. Exception Cleared. Buyer Comment (2026-05-11): revised 1008 upld |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225469412 | [Redacted] | [Redacted] | 36309948 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure for $[redacted]increase in credit report fee on final closing disclosure. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225469412 | [Redacted] | [Redacted] | 36309949 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure for $[redacted]increase in transfer tax on final closing disclosure. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225469413 | [Redacted] | [Redacted] | 36299224 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender Exception(s) with a compensating factor for approving a Non-Warrantable Condo was not provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-04-21): Lender exception with comp factors |
04/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225469413 | [Redacted] | [Redacted] | 36299231 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225469421 | [Redacted] | [Redacted] | 36305212 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check document is missing in the file. | Reviewer Comment (2026-05-11): Associated to the Fraud Report, cleared Buyer Comment (2026-05-08): Fraud report |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225469421 | [Redacted] | [Redacted] | 36305213 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report document is missing in the file. | Reviewer Comment (2026-05-11): Fraud Report, cleared Buyer Comment (2026-05-08): See fraud report |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225469421 | [Redacted] | [Redacted] | 36310830 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final Hud reflects insurance is escrowed, however the first payment letter does not. Please provide a corrected first payment letter and evidence the borrower received it. | Reviewer Comment (2026-05-11): Updated Final HUD shows no escrows, cleared Buyer Comment (2026-05-08): No escrows |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225469422 | [Redacted] | [Redacted] | 36305276 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Insurance policy effective date is after closing. | Reviewer Comment (2026-05-05): Hazard Insurance Policy with Effective Date of [redacted], cleared Buyer Comment (2026-05-04): Hazard |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225469422 | [Redacted] | [Redacted] | 36315131 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed for subject transaction. | Reviewer Comment (2026-05-05): Deed for subject transaction, cleared Buyer Comment (2026-05-04): Deed |
05/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225469955 | [Redacted] | [Redacted] | 36304148 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document not provided for property located at [redacted]. | Reviewer Comment (2026-04-24): HOA Verification document received and associated. Exception Cleared. Buyer Comment (2026-04-23): HOA Dues |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225469955 | [Redacted] | [Redacted] | 36414962 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy | Reviewer Comment (2026-05-26): Received evidence of lower value due to concessions. Buyer Comment (2026-05-21): updated LT Buyer Comment (2026-05-21): updated LP. Buyer Comment (2026-05-21): The correct purchase price is [redacted] , The value is based on the adjustment for the concessions at [redacted], the correct loan amount is [redacted], the correct LTV is [redacted]. We have attached the purchase contract, the updated LT and AUS to chosthe correected information. Please clear this condition. Reviewer Comment (2026-05-11): The closing disclosure provided reflects $[redacted] as the purchase price. Please provided updated CD, AUS, and contract amendment. Buyer Comment (2026-05-07): The PP had to get changed from [redacted] to [redacted] due to an overage of sales concessions. Here are the items to show that update. |
05/26/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225470137 | [Redacted] | [Redacted] | 36304985 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | As per 1008, exception in file for title seasoning, missing exception request and approval form. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-06): Exception |
05/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225470137 | [Redacted] | [Redacted] | 36304990 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-19): Sufficient Cure Provided At Closing |
04/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225470141 | [Redacted] | [Redacted] | 36304095 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee. The fee amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-05-26): [redacted] received corrected PCCD and LOE. Buyer Comment (2026-05-21): Please see attached. Reviewer Comment (2026-05-18): The issue noted on this is that the LOE they provided with the Corrected CD stated that borrower was getting a refund for the Pest Inspection. If they did not send, they need a corrected LOE explaining that no cure was provided and that only moved the fee to the proper section H of the PCCD. LOE did not match to the transaction otherwise. Reviewer Comment (2026-04-27): [redacted]received corrected CD to move the pest inspection fee from section C to H. However, provided LOX shows that the refund issued for $[redacted]for the pest inspection fee on page and refund check, proof of mailing to borrower was not located in the loan file. Additionally, the $[redacted] refund cure was not reflected in the corrected PCCD. If the corrected CD was issued to move the pest inspection fee from Section C to Section H, please provide an updated LOX confirming that the correction was made on the post-closing CD. If the CD was issued to reflect a refund cure, please provide a copy of the refund check, proof of mailing, and the corrected CD to complete remediation. Buyer Comment (2026-04-23): Please see attached. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225470383 | [Redacted] | [Redacted] | 36305131 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-06): [redacted] was before Home was renovated / rebuilt , [redacted] [redacted] supports the appraisal value. Buyer Comment (2026-05-04): Home was renovated / rebuilt , see appraisal write up. [redacted] is for previous |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | A | Non QM | Non QM | No | |||||||||||
| 225470383 | [Redacted] | [Redacted] | 36305141 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]. | Reviewer Comment (2026-06-04): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-06-03): please see attached proof of delivery on [redacted]. new rescission date is [redacted]. please clear cond on monday [redacted] Reviewer Comment (2026-06-02): Confirmation of receipt not yet available. follow up date set. Buyer Comment (2026-06-01): please see attached lox & rtc Reviewer Comment (2026-05-29): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-05-28): please see attached lox, pccd and refund check. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | B | A | Non QM | Non QM | Yes | |||||||||
| 225470383 | [Redacted] | [Redacted] | 36305142 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final closing disclosure disclosed a finance charge of $[redacted]compared to the calculated finance charge of $[redacted], there is a variance of $[redacted]. | Reviewer Comment (2026-06-04): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-06-03): please see attached proof of delivery on [redacted]. new rescission date is [redacted]. please clear cond on monday [redacted] Reviewer Comment (2026-06-02): Confirmation of receipt not yet available. follow up date set Buyer Comment (2026-06-01): please see attached lox & rtc Reviewer Comment (2026-05-29): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | B | A | Non QM | Non QM | Yes | |||||||||
| 225470383 | [Redacted] | [Redacted] | 36305143 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | B | A | Non QM | Non QM | Yes | ||||||||||
| 225472121 | [Redacted] | [Redacted] | 36305225 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the note date. | Reviewer Comment (2026-05-11): Policy covers disbursement date. Exception cleared. Buyer Comment (2026-05-07): There was a reconsideration of value complete to correct the value to [redacted]K on the appraisal. Thsi wil bring the CLTV inline with encompass and [redacted]at [redacted]%. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225472121 | [Redacted] | [Redacted] | 36306505 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Using the lower of the purchase price, appraisal, and Desk Review, the calculated LTV is [redacted]% ($[redacted]appraised value / $[redacted]loan amount). | Reviewer Comment (2026-05-11): Received appraisal with value $[redacted]. Exception cleared. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225472121 | [Redacted] | [Redacted] | 36306506 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Using the lower of the purchase price, appraisal, and Desk Review, the calculated LTV is [redacted]% ($[redacted]appraised value / $[redacted]loan amount). | Reviewer Comment (2026-05-11): Received appraisal with value $[redacted]. Exception cleared. Buyer Comment (2026-05-07): There was a reconsideration of value complete to correct the value to [redacted]k on the appraisal. Thsi wil bring the CLTV inline with encompass and [redacted]at [redacted]%. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225472229 | [Redacted] | [Redacted] | 36305021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final closing disclosure disclosed an amount financed of $[redacted] compared to the calculated amount financed of $[redacted], there is a variance of $[redacted]. | Reviewer Comment (2026-05-08): [redacted]received documentation of fee purpose. Buyer Comment (2026-05-07): Rebuttal |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225472229 | [Redacted] | [Redacted] | 36305022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final closing disclosure disclosed a finance charge of $[redacted]compared to the calculated finance charge of $[redacted], there is a variance of $[redacted]. | Reviewer Comment (2026-05-08): [redacted]received documentation of fee purpose. Buyer Comment (2026-05-07): See rebuttal |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225472229 | [Redacted] | [Redacted] | 36305024 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment (2026-05-22): Received new Right to Cancel and proof of borrower receipt verified, exception cleared. Buyer Comment (2026-05-20): New RTC and proof of borrower receipt |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225472229 | [Redacted] | [Redacted] | 36322905 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for [redacted] | Reviewer Comment (2026-05-06): HELOC details available in credit, taxes and insurance separately taken. Buyer Comment (2026-05-04): HELOC history |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225472806 | [Redacted] | [Redacted] | 36305008 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted]but disclosed on final Closing Disclosure $[redacted]. The file does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225472806 | [Redacted] | [Redacted] | 36305010 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Business and personal tax return extension for recent year [redacted] was not provided. | Buyer Comment (2026-06-04): Please waive per CNR Reviewer Comment (2026-05-18): Citing is an EV2 for informational purposes only and may be waived. Buyer Comment (2026-05-14): The date that the taxes are due [redacted] at [redacted] PM. This file was closed before this, so these items would not be needed. Please clear condition. |
06/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225472806 | [Redacted] | [Redacted] | 36305011 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date[redacted]. | Business and personal tax return extension for recent year [redacted] was not provided. | Buyer Comment (2026-06-04): Please waive per CNR Reviewer Comment (2026-05-18): Citing is an EV2 for informational purposes only and may be waived. Buyer Comment (2026-05-14): The date that the taxes are due [redacted] at [redacted]PM. This file was closed before this, so these items would not be needed. Please clear condition. |
06/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473022 | [Redacted] | [Redacted] | 36305040 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225473031 | [Redacted] | [Redacted] | 36305086 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the final title policy. | Reviewer Comment (2026-05-05): Received final title. Exception cleared. |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473031 | [Redacted] | [Redacted] | 36314577 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-05): Received final title. Exception cleared. Buyer Comment (2026-05-04): Title |
05/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473035 | [Redacted] | [Redacted] | 36305063 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage policy is short by $[redacted]. Provide an updated replacement cost estimator or an updated insurance policy with full coverage. | Reviewer Comment (2026-05-14): Received correspondence from insurance company for Guaranteed Replacement Cost coverage for the subject property. Exception cleared. Buyer Comment (2026-05-12): agent email confirming [redacted]% replacement cost upld |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473496 | [Redacted] | [Redacted] | 36324408 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The Deed is missing transferring the property to the borrower | Reviewer Comment (2026-05-07): Received Deed in file. Exception Cleared. Buyer Comment (2026-05-05): deed upld |
05/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225473513 | [Redacted] | [Redacted] | 36307192 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225473514 | [Redacted] | [Redacted] | 36324577 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The security instrument provides a signature date for each borrower which was not completed by the borrowers. | Reviewer Comment (2026-05-14): Received Borrower Affidavit. Exception Cleared. Buyer Comment (2026-05-13): loi/correction affidavit upld |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473520 | [Redacted] | [Redacted] | 36309658 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date ([redacted]) is less than [redacted]days of the Note Date [redacted] | Reviewer Comment (2026-05-11): Insurance Policy with expiration date of [redacted], cleared Buyer Comment (2026-05-08): renewal master pol upld |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473589 | [Redacted] | [Redacted] | 36309908 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] . | Diligence DSCR: [redacted] Bid Tape DSCR: [redacted] Market lease amount considered for the calculation |
Reviewer Comment (2026-05-07): Lender used market rent amount to calculate [redacted]. Exception cleared. Buyer Comment (2026-05-06): Using current rents in calculation. Bid Tape is fine as is |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473590 | [Redacted] | [Redacted] | 36324796 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted]month cash flow analysis for each business account used. | Reviewer Comment (2026-05-13): Cash Flow Analysis received for the account #[redacted]. Exception cleared. Buyer Comment (2026-05-11): Please see the attached Cash Flow Analysis |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473590 | [Redacted] | [Redacted] | 36324797 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted]month cash flow analysis for each business account used. | Reviewer Comment (2026-05-21): Cash Flow Analysis received and verified. Exception cleared. Buyer Comment (2026-05-19): Please see Cash Flow Analysis for Acct #[redacted] Reviewer Comment (2026-05-13): Cash Flow Analysis required for the account #[redacted]missing in loan file. Exception remains. Buyer Comment (2026-05-11): Please see the attached Cash Flow Analysis |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225473592 | [Redacted] | [Redacted] | 36311184 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Reviewer Comment (2026-05-14): Birth Date for member is not required. Exception cleared. Buyer Comment (2026-05-12): [redacted] is not a borrower on this transaction therefore this information is not required. |
05/14/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473592 | [Redacted] | [Redacted] | 36311198 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access was missing for business "[redacted]". | Reviewer Comment (2026-06-08): Received Operating agreement with ownership percentage. Exception Cleared. Buyer Comment (2026-06-05): Please see attached Operating Agreement showing borrower is [redacted]% owner of the business. Reviewer Comment (2026-05-28): Need the operating agreement or other documentation verifying the individual's percentage of ownership of "[redacted]". Buyer Comment (2026-05-27): Please see attached proof of business ownership. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473592 | [Redacted] | [Redacted] | 36311199 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | File was missing a identification document. | Reviewer Comment (2026-05-14): Received USA Patriot Act information. Exception cleared. Buyer Comment (2026-05-12): Please see attached USA Patriot Act Information Form' |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473592 | [Redacted] | [Redacted] | 36311200 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access was missing for business "[redacted]". | Reviewer Comment (2026-06-08): Received Operating agreement with ownership percentage. Exception Cleared. Buyer Comment (2026-06-05): Please see attached Operating Agreement showing borrower is [redacted]% owner of the business. Reviewer Comment (2026-05-28): Need the operating agreement or other documentation verifying the individual's percentage of ownership of "[redacted]". Buyer Comment (2026-05-27): Please see attached proof of business ownership. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225473660 | [Redacted] | [Redacted] | 36310693 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower: [redacted] W-2 is missing for the years [redacted]& [redacted]for the employment [redacted]. | Reviewer Comment (2026-05-08): Third party verification of employment received for co-borrower wage income. Details verified and updated. Exception cleared. Buyer Comment (2026-05-06): [redacted] in place of [redacted] |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225473660 | [Redacted] | [Redacted] | 36310714 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Employer provided that the borrower has recently started working at [redacted]. | Reviewer Comment (2026-05-08): Third party verification of employment received for co-borrower wage income. Details verified and updated. Exception cleared. Buyer Comment (2026-05-06): Borrower worked at [redacted] until [redacted] then came back in [redacted]. The other job is in the [redacted] |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225473660 | [Redacted] | [Redacted] | 36310730 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225473660 | [Redacted] | [Redacted] | 36310753 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower: [redacted] W-2 is missing for the years [redacted]& [redacted]for the employment [redacted]. | Reviewer Comment (2026-05-08): Third party verification of employment received for co-borrower wage income. Details verified and updated. Exception cleared. Buyer Comment (2026-05-06): See VOEs and WVOE |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225473660 | [Redacted] | [Redacted] | 36310754 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower: [redacted] W-2 is missing for the years [redacted] & [redacted] for the employment[redacted]. | Reviewer Comment (2026-05-08): Third party verification of employment received for co-borrower's wage income. Details verified and updated. Exception cleared. Buyer Comment (2026-05-06): See VOEs and WVOE |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225473720 | [Redacted] | [Redacted] | 36314198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | $#[redacted] Title - Endorsement fee disclosed in Section B added Fee on CD issued[redacted] without a valid Change of Circumstance. No cure provided for overage. | Reviewer Comment (2026-06-02): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-02): please see attached [redacted] tracking Reviewer Comment (2026-06-01): [redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-05-29): please see attached lox, pccd and refund check |
06/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225474066 | [Redacted] | [Redacted] | 36311379 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-08): Received Title Commitment document with valid policy amount, information validated. Exception Cleared. Buyer Comment (2026-05-06): Title Update |
05/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225474212 | [Redacted] | [Redacted] | 36311285 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | The earliest dated E-Consent is [redacted] which was after the date of the initial Loan Estimate provided electronically issued [redacted] | Reviewer Comment (2026-05-06): [redacted] received e-consent. Buyer Comment (2026-05-05): eConsent |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225474352 | [Redacted] | [Redacted] | 36311592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Reviewer Comment (2026-04-29): [redacted] received evidence for initial CD. Buyer Comment (2026-04-28): Please see attached. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225474409 | [Redacted] | [Redacted] | 36311665 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] | CDA value to appraisal value difference is greater than [redacted]%, so an additional appraisal review product must be completed. | Reviewer Comment (2026-05-26): Lender provided a field review which meets lender guides. Condition cleared. Buyer Comment (2026-05-05): Field Review |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | A | A | C | B | Non QM | Non QM | No | |||||||||||
| 225474409 | [Redacted] | [Redacted] | 36445683 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Missing PP addendum | Reviewer Comment (2026-05-26): Received corrected documentation. Condition cleared. Buyer Comment (2026-05-21): [redacted] also following up on LTV discrep. Please update home value to show $[redacted]. Buyer Comment (2026-05-21): Please see Note and addendum. Loan does not have prepayment penalty Buyer Comment (2026-05-21): Promissory Note & Addendum Reviewer Comment (2026-05-21): Received duplicate appraisal. Buyer Comment (2026-05-19): 1004 Buyer Comment (2026-05-19): [redacted]respectfully disagrees with finding. We are using the full 1004 appraisal with value of $[redacted]. Please review attached [redacted]and clear finding. Reviewer Comment (2026-05-15): Received duplicate contract. The lower desk review value was used for the LTV because it exceeds [redacted]% variace from the appraisal. Buyer Comment (2026-05-13): here is the updated contract showing the corrected purchase price. Buyer Comment (2026-05-13): Here is the updated contract showing the updated purchase price of [redacted] |
05/26/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | B | A | A | A | A | C | B | Non QM | Non QM | Yes | ||||||||||||||||
| 225474409 | [Redacted] | [Redacted] | 36575540 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Buyer Comment (2026-06-04): Ok to waive per [redacted] Reviewer Comment (2026-05-26): EV 2 citing due to the CDA does not support the appraised value. |
06/04/2026 | 2 | A | A | A | A | B | [Redacted] | Primary | Purchase | C | B | A | A | A | A | C | B | Non QM | Non QM | No | ||||||||||||||||
| 225474413 | [Redacted] | [Redacted] | 36311559 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing lender exception approval document as noted on the [redacted]to allow >[redacted]financed properties that was approved by the Lender. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-04-29): Please see attached. |
05/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225474763 | [Redacted] | [Redacted] | 36311671 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] . | Qualified Income as per Market Rent considering Vacancy Factor as [redacted]% for Qualifying income. Income - $[redacted]* [redacted]% = $[redacted]. | Reviewer Comment (2026-05-11): Received 1008 and DSCR Worksheet. Exception Cleared. Buyer Comment (2026-05-07): 1007; DSCR |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225474911 | [Redacted] | [Redacted] | 36311385 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-08): Appraisal receipt received and verified. Exception cleared Buyer Comment (2026-05-06): Appraisal proof sent |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225474911 | [Redacted] | [Redacted] | 36311386 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-05-08): Appraisal receipt received and verified. Exception cleared Buyer Comment (2026-05-06): Appraisal receipt |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225474914 | [Redacted] | [Redacted] | 36311335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] | Reviewer Comment (2026-04-30): Cured at close. Upon further review, sufficient cure provided at closing. Buyer Comment (2026-04-29): Please see final closing disclosure that shows the credit of $[redacted] for the lock ext fee. Please clear condition. |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225474914 | [Redacted] | [Redacted] | 36370054 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225474916 | [Redacted] | [Redacted] | 36315072 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | [redacted] months verified reserves is less than [redacted]months minimum required. A lender exception is noted on the [redacted] however the exception approval document is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-18): Client elects to waive with compensating factors. Reviewer Comment (2026-05-18): Lender exception approval provided for [redacted] months reserves are required, customer has 2. Buyer Comment (2026-05-14): Please see attached Exception allowing for a minimum of [redacted] months reserves. |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225474916 | [Redacted] | [Redacted] | 36315083 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to reserve requirement not met, resulting in a loan designation discrepancy. | Reviewer Comment (2026-05-18): Received lender exception approval Buyer Comment (2026-05-14): Please see attached Exception allowing for a minimum of [redacted] months reserves. |
05/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225474916 | [Redacted] | [Redacted] | 36315085 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to reserve requirement not met. | Reviewer Comment (2026-05-18): Received lender exception approval Buyer Comment (2026-05-14): Please see attached Exception allowing for a minimum of [redacted] months reserves. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225474916 | [Redacted] | [Redacted] | 36329921 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The deed showing transfer from the vested owner on title to the current borrower is not located in the file. | Reviewer Comment (2026-06-03): Received updated Deed is verified and associated, exception cleared. Buyer Comment (2026-06-01): [redacted] SKW ALL CONDITION SUBMITTED. Uploaded Deed to borrower from previous owner entity. All other conditions have been waived or cleared. Reviewer Comment (2026-05-22): Title commitment shows title is vested in [redacted]. Need deed correcting vesting from [redacted] to borrowers. Exception remains. Buyer Comment (2026-05-20): There is no deed in the borrower's name only as they took titles as [redacted]. This matches with title (see Proposed Insured) and the Security Instrument (page [redacted] and signature page [redacted]). The Deeded ownership has not changed. Reviewer Comment (2026-05-15): Deed reflecting ownership in the name of [redacted] is not available in the file. Please provide the most recent recorded deed confirming borrower vesting. Exception Remains. Buyer Comment (2026-05-14): Please see [redacted]where previous owners deeded property to borrowers. |
06/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225475261 | [Redacted] | [Redacted] | 36314256 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Loan Estimate was provided on [redacted] and signed by borrower on [redacted]; however, E-signature disclosure for was not signed by borrower until [redacted]. | Reviewer Comment (2026-05-11): [redacted] received disclosures summary with date of consent accepted by both a borrower. Buyer Comment (2026-05-07): proof disclosures were also sent regular mail upld, this is a broker loan |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225475264 | [Redacted] | [Redacted] | 36313938 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification document was not provided in file. | Reviewer Comment (2026-05-12): Hoa verifictiion not required, exception cleared Buyer Comment (2026-05-08): no hoa confirmation upld, mortgage statement is on [redacted], flood [redacted], only flood is escrowed. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225475511 | [Redacted] | [Redacted] | 36332342 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] month payment history for the subject property. | Reviewer Comment (2026-05-08): Credit supplement received and housing history verified for subject property. Exception Cleared. Buyer Comment (2026-05-06): Credit supplements |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225475514 | [Redacted] | [Redacted] | 36314358 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-14): [redacted] received PCCD and LOE Buyer Comment (2026-05-13): Corrected PCCD with letter |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225475514 | [Redacted] | [Redacted] | 36314937 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-sign consent document. | Reviewer Comment (2026-05-07): E-Sign Consent Agreement received and verified. Exception cleared Buyer Comment (2026-05-05): eConsent |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225475518 | [Redacted] | [Redacted] | 36312522 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-06): Updated policy amount received. Buyer Comment (2026-05-06): Please see attached. |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225475519 | [Redacted] | [Redacted] | 36313374 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-06-02): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-05-15): [redacted]received rebuttal, however in the event a mortgage broker receives the six pieces of information that constitute an application, the timing will start from the time the broker receives the application under § [redacted](e)(1)(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. 1003 dated [redacted] has TBD address however purchase contract dated [redacted] has property address. Please provide additional information when the contract was received in order to re-evaluate when [redacted]pieces of information was received. Buyer Comment (2026-05-13): The true application date is [redacted] , not [redacted], see disclosure tracking under LE Application Date Reviewer Comment (2026-05-07): The timing for the LE under § [redacted][redacted] is [redacted] business days from application. Initial LE issued [redacted] On this loan, the LE should have been issued within [redacted] business days of the application date of [redacted]. Buyer Comment (2026-05-06): Disclosure Tracking |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225475519 | [Redacted] | [Redacted] | 36332145 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225475519 | [Redacted] | [Redacted] | 36332146 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225475519 | [Redacted] | [Redacted] | 36638394 | Compliance | Modification | Loss Mitigation Document Check | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: [redacted] Initial - Lender's not provided | The lender provided evidence of the correct application date, however the initial applications in the file was signed by the Loan officer on [redacted], however the property address was not indicated on this application. Please provide the complete signed/dated initial application reflecting the subject property address. | Reviewer Comment (2026-06-05): Received revised 1003. Exception cleared. Buyer Comment (2026-06-03): 1003 |
06/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225475521 | [Redacted] | [Redacted] | 36314595 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The insurance and tax verification is missing in the file for the [redacted] property. | Reviewer Comment (2026-06-04): Received Taxes and Insurance documents for the property "[redacted]". Exception cleared. Buyer Comment (2026-06-02): tax bills and hoi upld |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225475521 | [Redacted] | [Redacted] | 36332087 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The insurance and tax verification is missing in the file for the [redacted] property. | Reviewer Comment (2026-06-04): Received Taxes and Insurance documents for the property "[redacted][redacted]". Exception cleared. Buyer Comment (2026-06-02): tax bills and hoi upld to trl docs |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225475543 | [Redacted] | [Redacted] | 36314047 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement not provided for REO property. | Reviewer Comment (2026-05-07): cleared Buyer Comment (2026-05-05): CLAIMED THROUGH [redacted] |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225475968 | [Redacted] | [Redacted] | 36312445 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found in file. | Reviewer Comment (2026-05-14): Amortization statement received confirming P&I of the loan. Buyer Comment (2026-05-12): please cancel, this is a private mortgage, statement is on [redacted] |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225475968 | [Redacted] | [Redacted] | 36312448 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Associated all subject lease agreements, bringing DTI to [redacted]. | Reviewer Comment (2026-05-29): Received updated 1008 and 1003. DTI is within the tolerance. Exception cleared. Buyer Comment (2026-05-28): the dti is within tolerance. please clear. Reviewer Comment (2026-05-14): Updated 1008 & 1003 provided confirming DTI of [redacted]%, slight difference due to income considered of $[redacted] while calculated income is $[redacted]. Base income of $[redacted]and other income of $[redacted] is considered, there is difference in Rental income of subject property, final 1003 shows rental income of $[redacted] while lease agreement confirms $[redacted]. Buyer Comment (2026-05-12): revised 1008/1003 upld - dti is [redacted]% |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225475968 | [Redacted] | [Redacted] | 36332458 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Statement for REO # [redacted]was not found in file. | Reviewer Comment (2026-05-14): Amortization statement received confirming P&I of the loan. Buyer Comment (2026-05-12): please cancel, this is a private mortgage, statement is on [redacted], hoi [redacted]and taxes [redacted] |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225476050 | [Redacted] | [Redacted] | 36332508 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing a copy of the Deed transferring the property to the borrowing entity. | Reviewer Comment (2026-05-07): Received Deed. Exception Cleared. Buyer Comment (2026-05-05): Deed |
05/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225476177 | [Redacted] | [Redacted] | 36314557 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Personal account statement ending with#[redacted]was not found in file for January [redacted]. | Reviewer Comment (2026-06-03): Received Bank statement for Account [redacted] Buyer Comment (2026-05-30): Please see attached. Reviewer Comment (2026-05-11): Personal bank statement missing for the account #[redacted] in the month from [redacted].Exception remains. Buyer Comment (2026-05-07): Please see attached. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225476177 | [Redacted] | [Redacted] | 36314564 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Personal account statement ending with#[redacted]was not found in file for January [redacted]. | Reviewer Comment (2026-06-03): Received Bank statement for Account [redacted] Buyer Comment (2026-05-30): Waterfall condition.Please clear. Reviewer Comment (2026-05-11): Personal bank statement missing for the account #[redacted]in the month from [redacted].Exception remains. Buyer Comment (2026-05-07): Waterfall condition. Please clear. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225476177 | [Redacted] | [Redacted] | 36314589 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure is due to missing January [redacted] bank statement for [redacted] account ending in [redacted]. | Reviewer Comment (2026-06-03): Received Bank statement for Account [redacted] Buyer Comment (2026-05-30): Waterfall condition.Please clear. Reviewer Comment (2026-05-11): Personal bank statement missing for the account #[redacted]in the month from [redacted].Exception remains. Buyer Comment (2026-05-07): Waterfall condition. Please clear. |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225476177 | [Redacted] | [Redacted] | 36314590 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure is due to missing January [redacted] bank statement for [redacted] account ending in [redacted]. | Reviewer Comment (2026-06-03): Received Bank statement for Account [redacted] Buyer Comment (2026-05-30): Waterfall condition.Please clear. Reviewer Comment (2026-05-11): Personal bank statement missing for the account #[redacted]in the month from [redacted].Exception remains. Buyer Comment (2026-05-07): Waterfall condition. Please clear. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225477242 | [Redacted] | [Redacted] | 36320531 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted]([redacted]) business days of application. | Reviewer Comment (2026-05-08): Re-validated initial application date. Exception cleared. Buyer Comment (2026-05-06): Disclosure Tracking |
05/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225477242 | [Redacted] | [Redacted] | 36320532 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Reviewer Comment (2026-05-08): Re-validated initial application date. Exception cleared. Reviewer Comment (2026-05-07): [redacted] received disclosures tracking. However, as per 1003 ([redacted]) all the[redacted] pieces of information was available except property address which is TBD however, as per title commitment ([redacted]) dated [redacted] the address was available on it while the purchase contract ([redacted]) is executed on [redacted]. From the available documents we are unable to determine the exact date when lender has received all [redacted] pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the 6th piece of information to lender to establish the application date. If application date was within [redacted] business days of the [redacted], lender should further clarify the discrepancy with the title commitment with lender name and dated [redacted] and sales contract dated [redacted]. Buyer Comment (2026-05-06): Disclosure Tracking |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225477260 | [Redacted] | [Redacted] | 36320853 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-08): Received E-sign consent agreement. Exception Cleared. Buyer Comment (2026-05-06): eConsent |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225477260 | [Redacted] | [Redacted] | 36320880 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as [redacted] on the Loan Estimate but disclosed as [redacted]on Final Closing Disclosure. The file does not contain a valid change of circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-04-22): Sufficient Cure Provided At Closing |
04/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225477260 | [Redacted] | [Redacted] | 36320881 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as [redacted] on the Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. The file does not contain a valid change of circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-04-22): Sufficient Cure Provided At Closing |
04/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225478425 | [Redacted] | [Redacted] | 36323394 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Cert not provided to verify yearly tax amount of[redacted] | Reviewer Comment (2026-05-11): document provided Buyer Comment (2026-05-07): tax cert upld |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225478464 | [Redacted] | [Redacted] | 36320440 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-14): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-05-12): econsent upld |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225478464 | [Redacted] | [Redacted] | 36320453 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy. | Reviewer Comment (2026-05-14): Received hazard insurance verification and associated, Exception Cleared Buyer Comment (2026-05-12): hoi upld |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225478464 | [Redacted] | [Redacted] | 36320462 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | Missing Initial Closing Disclosure. | Reviewer Comment (2026-05-13): [redacted] received initial CD. Buyer Comment (2026-05-12): initial cd/tracking upld |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225478464 | [Redacted] | [Redacted] | 36320556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by[redacted] due to the Loan Discount Points. No valid COC was provided and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-13): [redacted] received a a valid COC. Buyer Comment (2026-05-12): coc details/lock upld |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225479255 | [Redacted] | [Redacted] | 36335642 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File did not contain a valid change of circumstance for the increased fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225479256 | [Redacted] | [Redacted] | 36324404 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for Non-warrantable condo due to critical repairs. Max [redacted]% CLTV, Min [redacted]FICO, Max [redacted]% DTI. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. |
04/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225479256 | [Redacted] | [Redacted] | 36324406 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for purchase of investment property with only one credit score. Max [redacted]% CLTV, Min [redacted]FICO, Max [redacted]% DTI. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-04-23): Client elects to waive with compensating factors. |
04/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225479257 | [Redacted] | [Redacted] | 36320438 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-05-11): Hazard Insurance Policy, cleared Buyer Comment (2026-05-11): Hazard |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225479258 | [Redacted] | [Redacted] | 36320534 | Credit | Credit | Credit Documentation | Credit | A summary review of all the documentation in the loan file casts doubt on the business purpose of the loan. | For 2nd Borrower, final 1003 declaration reflects borrower will occupy the property as primary residence. An update to the final 1003 is required for the 2nd borrower. | Reviewer Comment (2026-05-07): Corrected 1003 for the co-borrower, cleared Buyer Comment (2026-05-06): Corrected 1003 |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225479330 | [Redacted] | [Redacted] | 36323092 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Final title policy is missing in the loan file. | Reviewer Comment (2026-05-11): Received Title Preliminary document with valid policy amount, information validated accordingly. Exception Cleared. Buyer Comment (2026-05-07): Supplement |
05/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36323097 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | [redacted]valuation is missing in the loan file. | Reviewer Comment (2026-05-11): Received Secondary Valuation document, information validated. Exception Cleared. Buyer Comment (2026-05-08): CDA |
05/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36323149 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing in the loan file. | Reviewer Comment (2026-05-11): Available final 1003 reflects Evidence of Taxpayer consent verbiage, exception Cleared. Buyer Comment (2026-05-07): Borrower auth that includes tax returns |
05/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36323200 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File is missing documentation of the 1031 Exchange Funds and without them borrower is short the required funds to close and cover required reserves. | Reviewer Comment (2026-05-11): Received all document relevant document of 1031 exchange property sale (1031 Exchange agreement, closing statement, wire instructions), information validated, reserve requirement suffices. Exception Cleared. Buyer Comment (2026-05-07): 1031 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36323219 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | File is missing documentation of the 1031 Exchange Funds and without them borrower is short the required funds to close and cover required reserves. | Reviewer Comment (2026-05-11): Received all document relevant document of 1031 exchange property sale (1031 Exchange agreement, closing statement, wire instructions), information validated, reserve requirement suffices. Exception Cleared. Buyer Comment (2026-05-07): See 1031 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36337153 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing the CD/HUD_1/Closing Statement for the sale of the property being relinquished as a part of the 1031 Exchange. | Reviewer Comment (2026-05-11): Received all document relevant document of 1031 exchange property sale (1031 Exchange agreement, closing statement, wire instructions), information validated, reserve requirement suffices. Exception Cleared. Buyer Comment (2026-05-07): See 1031 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36337197 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a copy of the 1031 Exchange Agreement and confirmation of the borrower's balance on deposit with the 1031 Intermediary. | Reviewer Comment (2026-05-11): Received all document relevant document of 1031 exchange property sale (1031 Exchange agreement, closing statement, wire instructions), information validated, reserve requirement suffices. Exception Cleared. Buyer Comment (2026-05-07): See 1031 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479330 | [Redacted] | [Redacted] | 36337200 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing all documentation related to the 1031 property sale and proceeds received. | Reviewer Comment (2026-05-11): Received all document relevant document of 1031 exchange property sale (1031 Exchange agreement, closing statement, wire instructions), information validated, reserve requirement suffices. Exception Cleared. Buyer Comment (2026-05-07): See 1031 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225479338 | [Redacted] | [Redacted] | 36321868 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Cash-out refinance of investment property, required lease agreement not provided in file. | Reviewer Comment (2026-05-15): Lease agreement available in the file. Exception Cleared. Buyer Comment (2026-05-13): Please see lease in [redacted] |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225479789 | [Redacted] | [Redacted] | 36321381 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure is missing in file. | Reviewer Comment (2026-05-12): Final Settlement Statement, cleared Buyer Comment (2026-05-12): final ss upld |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225479828 | [Redacted] | [Redacted] | 36321102 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deed transferring property to the current owner was not located in the file. | Reviewer Comment (2026-05-06): Deed transferring property to the current owner, cleared Buyer Comment (2026-05-06): Deed |
05/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225480072 | [Redacted] | [Redacted] | 36324338 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR discrepancy due to lender utilizing higher HOA dues for qualification than reflected in the source document. | Reviewer Comment (2026-05-14): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-05-12): Hello, please see the attached DSCR Data Discrep rebuttal and supporting documentation regarding the HOA fee. Thank you. Reviewer Comment (2026-05-11): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225480363 | [Redacted] | [Redacted] | 36326860 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of [redacted] is less than guideline required disposable income of [redacted]. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-18): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-15): exception aprvl upld |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225480363 | [Redacted] | [Redacted] | 36326869 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated investor qualifying disposable income of [redacted] is less than the guideline required disposable income of [redacted]. | Reviewer Comment (2026-05-19): Lender exception provided for lesser residual. Condition cleared. Buyer Comment (2026-05-15): exception aprvl upld to trl docs |
05/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36326870 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount ([redacted]) and calculated Non QM residual amount ([redacted]) are both lower than the amount required per the guidelines ([redacted]). | Calculated investor qualifying disposable income of [redacted] is less than the gudeline required disposable income of [redacted]. | Reviewer Comment (2026-05-19): Lender exception provided for lesser residual. Condition cleared. Buyer Comment (2026-05-15): exception aprvl upld to trl docs |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225480363 | [Redacted] | [Redacted] | 36326871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment (2026-06-03): [redacted] received title company confirmation that title-tax cert was one time and not life of loan service Buyer Comment (2026-06-02): title email confirming title-service fee and tax cert are one time fees, please remove from finance charge, these are all service fees |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36326872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold | Reviewer Comment (2026-06-03): [redacted] received title company confirmation that title-tax cert was one time and not life of loan service Buyer Comment (2026-06-02): title email confirming title-service fee and tax cert are one time fees, please remove from finance charge, these are all service fees |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36326873 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | File contains an incomplete CD for the transaction dated [redacted] - a year prior to the closing. | Reviewer Comment (2026-05-18): [redacted] received LOE to remove incomplete CD not provided to borrower. Buyer Comment (2026-05-15): rebuttal upld |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36326874 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | File contains an incomplete CD for the transaction dated [redacted] - a year prior to the closing. | Reviewer Comment (2026-05-18): [redacted] received LOE to remove incomplete CD not provided to borrower. Buyer Comment (2026-05-15): rebuttal upld to trl docs |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36326876 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | File contains an incomplete CD for the transaction dated [redacted] - a year prior to the closing. | Reviewer Comment (2026-05-18): [redacted] received LOE to remove incomplete CD not provided to borrower. Buyer Comment (2026-05-15): rebuttal upld to trl docs |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225480363 | [Redacted] | [Redacted] | 36534706 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for minimum residual of [redacted]. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-19): Client elects to waive with compensating factors. |
05/19/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225480365 | [Redacted] | [Redacted] | 36326546 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for active Notice of default. Loan is beyond original maturity date and has been extended on private mortgage. Compensating Factor: LTV [redacted]%, [redacted] FICO, DSCR [redacted], +[redacted]months on time pay history on mortgage loan and [redacted] months in reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-04-24): Client elects to waive with compensating factors. |
04/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| 225486036 | [Redacted] | [Redacted] | 36325474 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted]exceeds tolerance of [redacted] plus [redacted]% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Total fee amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or [redacted]. Variance is due to recording fee not being disclosed on final LE. | Reviewer Comment (2026-04-22): Sufficient Cure Provided At Closing |
04/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225486036 | [Redacted] | [Redacted] | 36325475 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee disclosed as [redacted] on initial CD and then as[redacted] on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-04-22): Sufficient Cure Provided At Closing |
04/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225486111 | [Redacted] | [Redacted] | 36326243 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document not provided for [redacted], | Reviewer Comment (2026-04-30): Client: The seller did not obtain insurance prior to closing given how low the file's DTI is, as the likelihood of the DTI going over the limit is [redacted]. A reasonable ATR determination based on guidelines was made here. Buyer Comment (2026-04-30): REBUTTAL Reviewer Comment (2026-04-29): Provided property profile document does not specify insurance details. Additionally, the insurance verification document for property located at [redacted] is not provided. Exception remains Buyer Comment (2026-04-28): Prop Profile |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225486111 | [Redacted] | [Redacted] | 36326248 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewed and updated correctly. | Reviewer Comment (2026-04-29): Received hazard insurance verification and associated, Exception Cleared Buyer Comment (2026-04-28): Insurance Buyer Comment (2026-04-27): Please review doc [redacted] the renewal for property at [redacted]. DOC D[redacted] is the insurance coverage from [redacted]. Please review and clear. |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225487141 | [Redacted] | [Redacted] | 36329154 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Due diligence review dscr is [redacted] however the 1008 reflects [redacted] Per guidelines, the projected occupancy rate listed on the Rentalizer report must be > [redacted]% to use the airdna rent in lieu of an appraisers opinion of market rents. | Reviewer Comment (2026-06-06): The variance is within acceptable variance. Buyer Comment (2026-06-05): Can you clarify this condition. The loan is still within the acceptable DSCR ratio. Please advise. |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225488559 | [Redacted] | [Redacted] | 36327441 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee of [redacted] was not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure was provided. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488560 | [Redacted] | [Redacted] | 36329732 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225488597 | [Redacted] | [Redacted] | 36326790 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Review DTI matches Lender DTI on final 1008. Bid tape value provided is a mismatch. | Reviewer Comment (2026-05-18): Cleared. Received updated bid tape for DTI Reviewer Comment (2026-05-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-05-14): Updated 1008/1003 at [redacted]% , bid tape should be updated already |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488597 | [Redacted] | [Redacted] | 36326794 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy | Reviewer Comment (2026-05-18): Received updated bid tape for DTI |
05/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488597 | [Redacted] | [Redacted] | 36326795 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Review DTI matches Lender DTI on final 1008. Bid tape value provided is a mismatch. | Reviewer Comment (2026-05-18): Received updated bid tape for DTI |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327758 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-03): Received Final title policy with valid policy amount. Exception cleared. |
06/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327759 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of [redacted] is less than the note amount of [redacted] based on the Commitment in file. | Reviewer Comment (2026-06-03): Received Final title policy with valid policy amount. Exception cleared. Buyer Comment (2026-06-02): final policy upld |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327760 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI: [redacted]%. Review DTI [redacted]%. DTI discrepancy is due to Lender 1008 listing all other monthly payments as [redacted], however audit shows debt monthly payment as [redacted]. Final 1003 debt payment also matches audit finding amount. | Reviewer Comment (2026-05-19): Received evidence of auto payoff. condition cleared. Reviewer Comment (2026-05-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-05-17): please see statement on D[redacted] showing $[redacted] monthly auto loan is [redacted] balance, remove from liabilities |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327794 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Verification of receipt of final appraisal was not found in the file. | Reviewer Comment (2026-05-19): Received evidence of borrower's receipt. Condition cleared. Buyer Comment (2026-05-17): aprsl receipt upld to trl docs |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327795 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification of receipt of final appraisal was not found in the file. | Reviewer Comment (2026-05-19): Received evidence of borrower's receipt. Condition cleared. Buyer Comment (2026-05-17): aprsl receipt upld |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327796 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-05-19): Received evidence of auto payoff. condition cleared. Buyer Comment (2026-05-17): please see statement on D[redacted] showing $[redacted] monthly auto loan is [redacted] balance, remove from liabilities |
05/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488598 | [Redacted] | [Redacted] | 36327797 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Data Discrepancy with DTI. Lender DTI: [redacted]1%. Review DTI [redacted]%. DTI discrepancy is due to Lender 1008 listing all other monthly payments as [redacted], however audit shows debt monthly payment as [redacted]. Final 1003 debt payment also matches audit finding amount. | Reviewer Comment (2026-05-19): Received evidence of auto payoff. condition cleared. Reviewer Comment (2026-05-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-17): please see statement on D[redacted] showing $[redacted] monthly auto loan is [redacted] balance, remove from liabilities |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488598 | [Redacted] | [Redacted] | 36327798 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488620 | [Redacted] | [Redacted] | 36333179 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not within [redacted]business days of the Note. | Reviewer Comment (2026-04-29): Received Borrower VVOE document within the [redacted] business days from the closing date. Exception Cleared. Seller Comment (2026-04-27): VERBAL VOE BORROWER [redacted] DAYS TO DOCS |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488620 | [Redacted] | [Redacted] | 36333186 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VVOE date Showing after Note Date | Reviewer Comment (2026-04-29): Received Borrower VVOE document within the [redacted] business days from the closing date. Exception Cleared. Seller Comment (2026-04-27): COMPLIANCE REPORT - NON-QM LOAN |
04/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488620 | [Redacted] | [Redacted] | 36333187 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | VVOE date Showing after Note Date | Reviewer Comment (2026-04-29): Received Borrower VVOE document within the [redacted] business days from the closing date. Exception Cleared. Seller Comment (2026-04-27): VVOE |
04/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488635 | [Redacted] | [Redacted] | 36329210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing disclosure document is not provided. | Reviewer Comment (2026-05-04): [redacted]received a seller CD with seller paid closing costs. Buyer Comment (2026-05-01): Sellers CD |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488657 | [Redacted] | [Redacted] | 36333429 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Reviewer Comment (2026-05-13): Received driver's license. Exception cleared. Buyer Comment (2026-05-11): ID Reviewer Comment (2026-05-06): Please provide borrower verification of identification documents, Driving license or Patriot act customer identification. Exception remains. Buyer Comment (2026-05-05): What verification of identification is needed. The deed of trust was Notarized which proves that satisfactory ID was complied to by the notary. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225488660 | [Redacted] | [Redacted] | 36333431 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Reviewer Comment (2026-05-08): Lender Exception with Compensating Factors provided. Policy current within [redacted] days of note Buyer Comment (2026-05-06): Exception |
05/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 225488696 | [Redacted] | [Redacted] | 36332656 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is not provided in the file | Reviewer Comment (2026-05-15): Corporate Resolution, cleared Buyer Comment (2026-05-15): unanimous consent & resolution upld |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225488699 | [Redacted] | [Redacted] | 36333140 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy amount is less than Loan amount. | Reviewer Comment (2026-05-04): Email confirmation received from the title agent confirming the loan amount. The details have been verified and updated. Exception Cleared. Buyer Comment (2026-05-01): Title |
05/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225488699 | [Redacted] | [Redacted] | 36333171 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject Property is in a Rural neighborhood. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-04-29): Client elects to waive with compensating factors. Buyer Comment (2026-04-27): Exception Reviewer Comment (2026-04-24): Unable to waive and downgrade due to missing Comp factors. Please provide all pages of the Lender Exception |
04/29/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 225488701 | [Redacted] | [Redacted] | 36332612 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing HUD-1 / Closing Disclosure / Closing Statement for cash-out refinance of [redacted] reflecting sufficient funds to close and reserves. | Reviewer Comment (2026-05-08): Received HUD for cash out refinance. Exception Cleared. Buyer Comment (2026-05-06): [redacted] |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225488705 | [Redacted] | [Redacted] | 36333478 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement missing in loan file. | Reviewer Comment (2026-05-04): Received lease agreement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-05-01): DOC |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225488717 | [Redacted] | [Redacted] | 36333406 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-05): Note and Closing Disclosure document received and verified. Exception cleared. Buyer Comment (2026-06-04): note & cd upld Reviewer Comment (2026-06-03): Final 1003 shows this property is mortgaged with [redacted]e with a P&I of [redacted]. If this is a new mortgage, please provide the closing disclosure/first payment letter/Note for the same. Buyer Comment (2026-06-01): this property previously secured by loan on subject property, released with new refi Reviewer Comment (2026-05-19): Final closing disclosure shows this property is mortgaged with [redacted] with a P&I of [redacted]. If this is a new mortgage, please provide the closing disclosure/first payment letter/Note for the same. Buyer Comment (2026-05-15): property profile showing owned free & clear, taxes & hoa upld, hoi already provided in loan file [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488717 | [Redacted] | [Redacted] | 36333412 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to Lender 1008 duplicating borrower's income under both borrower and co-borrower income resulting in a lower DTI. There is no co-borrower on the loan. | Reviewer Comment (2026-05-19): Revised 1008 received. Buyer Comment (2026-05-15): revised 1008 upld, bid tape correction has been requested |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488717 | [Redacted] | [Redacted] | 36333420 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-05-19): Revised 1008 received. Buyer Comment (2026-05-15): revised 1008 upld to trl docs, bid tape correction has been requested |
05/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488717 | [Redacted] | [Redacted] | 36333421 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Data Discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to Lender 1008 duplicating borrower's income under both borrower and co-borrower income resulting in a lower DTI. There is no co-borrower on the loan. | Reviewer Comment (2026-05-19): Revised 1008 received. Buyer Comment (2026-05-15): revised 1008 upld to trl docs, bid tape correction has been requested |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488727 | [Redacted] | [Redacted] | 36327358 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is [redacted], and the appraisal indicated the estimated cost new is [redacted]. Based on hazard insurance coverage of [redacted], the loan is short of the required coverage by [redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-05-20): Policy covers [redacted]% replacement cost. Cleared. Reviewer Comment (2026-05-15): HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains Buyer Comment (2026-05-13): Under Coverages the policy shows [redacted]% Replacement Cost. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488727 | [Redacted] | [Redacted] | 36327374 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225488804 | [Redacted] | [Redacted] | 36332256 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488808 | [Redacted] | [Redacted] | 36332713 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is not provided in file | Reviewer Comment (2026-05-19): Received Patriot Act Customer Information. Exception cleared. Buyer Comment (2026-05-15): pat act upld |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225488808 | [Redacted] | [Redacted] | 36333085 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[redacted], #[redacted]and #[redacted]reflects mortgages with outstanding balances in the amount of [redacted].. HUD 1 does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-06-04): Received evidence from title company liens have been released. Condition cleared. Buyer Comment (2026-06-02): rebuttal upld Reviewer Comment (2026-05-19): Received email correspondence from Title for mortgage with outstanding balance. Require evidence the liens have been released, paid and will not have negative impact on final title policy. Exception remains Buyer Comment (2026-05-15): title email upld |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225489176 | [Redacted] | [Redacted] | 36332085 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing |
04/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225493895 | [Redacted] | [Redacted] | 36334458 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as [redacted] on initial CD and as [redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-08): [readacted]received additional information support valid changed circumstance. Buyer Comment (2026-05-08): Can you review the last open condition for credit fee increase. I believe that the reviewer is not following the change timeline. The fee went up on [readacted] from [readacted] from [readacted]to [readacted]. The correspondent has provided a rebuttal and the condition remains. Reviewer Comment (2026-05-07): [readacted]received rebuttal and LOE, however credit supplement available in file is dated [readacted] and fee increased on[readacted] which is not within [readacted] days of supplement provided in file. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-06): Rebuttal Reviewer Comment (2026-05-05): TRID Grid [redacted], Appendix, Additional Considerations. ROW [redacted], see examples of sufficient vs. insufficient COC reasons: Recording Fee - Insufficient - Received invoice reflecting a higher amount. As noted, TRID Grid considers receipt of an increased invoice insufficient reason for a fee increase. The issue then becomes a matter of the information being reasonably available and the lender acting in good faith. What was the basis for the amount disclosed by the creditor on the initial Loan Estimate (LE) for the Credit Report? Did the creditor request the actual cost from the credit reporting agency? The "reasonably available" standard under [redacted] requires that the creditor, acting in good faith, exercise due diligence in obtaining information used for disclosures. ii. Estimates. If an actual term is unknown, the creditor may utilize estimates using the best information reasonably available in making disclosures, even though the creditor knows that more precise information will be available at or before consummation. However, the creditor may not utilize an estimate without exercising due diligence to obtain the actual term for the consumer's transaction. To consider the updated Credit Report fee as being based on information not reasonably known to the creditor at the time of the initial disclosure, evidence would be required that: The amount initially disclosed on the LE was based on the best information reasonably available to the creditor at the time, and The creditor exercised due diligence in obtaining that estimate, such as requesting a quote or fee schedule from the credit reporting agency or documenting another reasonable basis for the disclosed amount. If the creditor merely estimated the Credit Report fee based on prior transactions or historical averages, then receipt of the actual invoice reflecting the true charge would not constitute a valid changed circumstance. In that situation, the creditor did not exercise due diligence in attempting to obtain the actual cost upon which to base its estimate, and therefore the difference between the estimated and actual amount would not be attributable to information not reasonably available at the time of disclosure. Below is an example from the regulation. Although the example addresses title insurance, it illustrates the same principle: basing estimates on prior transactions without exercising diligence to request or obtain the actual fee from the service provider does not meet the "reasonably available" standard. Example (Regulation Z): Assume a creditor provides the disclosure under §[redacted](f)(1)(ii)(A) for a transaction in which the title insurance company that is providing the title insurance policies is acting as the settlement agent in connection with the transaction. However, the creditor does not request the actual cost of the lender's title insurance policy that the consumer is purchasing and instead discloses an estimate based on information from a different transaction. The creditor has not exercised due diligence in obtaining the information about the cost of the lender's title insurance policy required under the "reasonably available" standard in connection with the estimate disclosed. Applied to the Credit Report fee, the same logic holds: without evidence that the creditor attempted to obtain the actual cost from the credit reporting agency prior to issuing the LE, reliance on generalized or historical pricing would fail to meet the regulatory due diligence requirement. Buyer Comment (2026-05-04): LOE [redacted] Reviewer Comment (2026-04-30): [redacted]received LOX stating 'new information received impacted credit report to increase. However, we would require additional information as what new information impacted credit report to increase on CD dated[redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD, LOX, Copy of refund check and proof of mailing. Buyer Comment (2026-04-28): LOE |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | N/A | N/A | Yes | |||||||||
| 225493895 | [Redacted] | [Redacted] | 36340560 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Cash out of investment property with loan designaton showing as non-QM due to business purpose certificate not being provided in file. | Reviewer Comment (2026-04-30): Cleared. Investment property reviewed as N/A. Business purpose cerificate is not located in the file. Buyer Comment (2026-04-28): LOE |
04/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225493912 | [Redacted] | [Redacted] | 36335153 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Consider FICO score of [redacted]is less than Guideline representative FICO score of [redacted]. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-13): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-11): Exception |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225493916 | [Redacted] | [Redacted] | 36533625 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225493916 | [Redacted] | [Redacted] | 36533626 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225493947 | [Redacted] | [Redacted] | 36341213 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The loan amount changed after issuance of title commitment. The final title policy is not provided for review. | Reviewer Comment (2026-06-01): Received title commitment with coverage amount same as loan amount. Exception cleared. Buyer Comment (2026-05-29): Please see the attached updated title commitment. |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225493947 | [Redacted] | [Redacted] | 36341237 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Missing explanation letter or other documentation verifying that property has been de-listed prior to closing. | Reviewer Comment (2026-06-05): Received LOE and property report showing property was taken off the market. Exception cleared. Buyer Comment (2026-06-04): Please see LOE from borrower stating property was taken off the market in [readacted]and proof property no longer on the market. These documents along with Appraisal that shows property was listed [readacted] for [readacted]days therefore the property was not listed at the time of the appraisal on [readacted] and the signed lease agreement D0[readacted] as proof of borrower's intent to retain the property as an investment property should be sufficient to meet this condition. Buyer Comment (2026-06-04): Please see LOE from borrower stating property was taken off the market in December and proof property no longer on the market. These documents along with Appraisal that shows property was listed [readacted] for [readacted]days therefore the property was not listed at the time of the appraisal on [readacted]and the signed lease agreement D0[readacted] as proof of borrower's intent to retain the property as an investment property should be sufficient to meet this condition. Reviewer Comment (2026-06-01): Appraisal shows property was listed on [readacted]. Provide property report or explanation letter verifying that property has been de-listed prior to closing. Exception remains Buyer Comment (2026-05-28): Appraisal supports property no longer listed as it shows property was listed[readacted]for [readacted]days therefore the property was not listed at the time of the appraisal on [readacted]. Property was leased [readacted] and the signed lease agreement D0[readacted] is proof of borrower's intent to retain the property as an investment property |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225493947 | [Redacted] | [Redacted] | 36351922 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month payment history for the 2nd mortgage on the subject property. | Reviewer Comment (2026-06-05): Received balloon note and addendum showing payment start date as [readacted], which was paid off with the refinance of subject transaction. Exception cleared. Buyer Comment (2026-06-03): Please see signed copies of the Balloon Note and Addendum Reviewer Comment (2026-06-01): Note addendum provided is not signed. Exception remains. Buyer Comment (2026-05-28): Please Addendum to note D0[readacted]showing no payment until[readacted] and pay history per terms of note/addendum D0[readacted], and note was paid off with the refinance of subject transaction |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225493986 | [Redacted] | [Redacted] | 36339254 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted]0 exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-24): Sufficient Cure Provided At Closing |
04/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225494014 | [Redacted] | [Redacted] | 36339515 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-24): Sufficient Cure Provided At Closing |
04/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225494014 | [Redacted] | [Redacted] | 36339516 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-24): Sufficient Cure Provided At Closing |
04/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225495734 | [Redacted] | [Redacted] | 36346192 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Preliminary title provided but not signed or dated. | Reviewer Comment (2026-05-29): Title commitment, cleared Buyer Comment (2026-05-29): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225495734 | [Redacted] | [Redacted] | 36346247 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-05-29): Final Title Policy, cleared Buyer Comment (2026-05-29): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225495734 | [Redacted] | [Redacted] | 36346281 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Preliminary title provided but not signed or dated. | Reviewer Comment (2026-05-29): Final Title Policy, cleared Buyer Comment (2026-05-29): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225496378 | [Redacted] | [Redacted] | 36341570 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-21): Received E-sign Consent document, information validated. Exception Cleared. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225496378 | [Redacted] | [Redacted] | 36341687 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Finance charge fee increased due to loan safe report fee [redacted] and Title-Tax Certificate Fee $[redacted]. | Reviewer Comment (2026-05-22): [readacted]received lender attestation on title-tax cert fee is [readacted]time fee, not life of loan service Buyer Comment (2026-05-21): Please see attached email from title verifing that the $[readacted]Tax Cert fee is a one time fee. At this point, please clear the loan safe fee as it was on the inital LE and all subsequent disclosures. Reviewer Comment (2026-05-20): Finance charge was $[readacted]underdisclosed. The Loan Safe Report fee of $[readacted]will not address the underdisclosure under tolerance. The other fee causing the underdisclosure is the Title-Tax Certification fee $[readacted]in Section C. This can be addressed as follows: While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under [readacted](c)([readacted]), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment [readacted]([readacted])(c)([readacted])-[readacted] which provides: For example, a fee for [readacted]or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a [readacted]time fee, please provide an executed lender attestation confirming not life of loan fee but a [readacted]time upfront at closing fee for determination. Additionally in regard to the [redacted] fee, [readacted]consulted with Outside Counsel and received guidance that as Loan Safe Report is not inclusively a credit report and contains services that are not excludable under [readacted](c)[readacted]or other sections under [readacted], fee should be included in Finance Charge calculations. Can provide the lender attestation clarifying the title-tax Certfication fee item or cure would be $[readacted]. corrected CD, LOE to borrower, cure refund, proof of mailing and proof of reopening of rescission to all consumers. Buyer Comment (2026-05-19): For the loan safe report. Please review the initial LE and all subsequent disclosures. This has been on the fee sheet since the begining and is a one time charge, not a life of the loan charge. Please clear condition. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225496378 | [Redacted] | [Redacted] | 36341688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance charge fee increased due to loan safe report fee [redacted] and Title-Tax Certificate Fee [redacted]. | Reviewer Comment (2026-05-22): [readacted]received lender attestation on title-tax cert fee is [readacted]time fee, not life of loan service Buyer Comment (2026-05-21): [readacted]. Please clear |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225496378 | [Redacted] | [Redacted] | 36341689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page [redacted]of the final closing disclosure is missing. | Reviewer Comment (2026-05-20): [readacted] received full copy of Final CD Buyer Comment (2026-05-19): Please see attached |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225496378 | [Redacted] | [Redacted] | 36341691 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Endorsement Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure provided at closing. | Reviewer Comment (2026-05-26): Upon further review consumer within [readacted]% tolerance requirements. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225496378 | [Redacted] | [Redacted] | 36341692 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Tax Certificate Fee was last disclosed as[redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure provided at closing. | Reviewer Comment (2026-05-26): Upon further review consumer within [readacted]% tolerance requirements. Buyer Comment (2026-05-21): Please see attached email from title verifing that the $[readacted]Tax Cert fee is a one time fee. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225496378 | [Redacted] | [Redacted] | 36346178 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-05-22): Provided valid CDA supporting value Buyer Comment (2026-05-21): Please see attached. |
05/22/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225496381 | [Redacted] | [Redacted] | 36342891 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225497031 | [Redacted] | [Redacted] | 36342308 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent agreement was not found in file. | Reviewer Comment (2026-05-13): Received E-sign Consent Agreement. Exception cleared. Buyer Comment (2026-05-11): eConsent |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225497031 | [Redacted] | [Redacted] | 36342318 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee disclosed on initial Loan Estimate as [redacted], but disclosed on final Closing Disclosure as [redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225499484 | [Redacted] | [Redacted] | 36352982 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Borrower income used [redacted] months for the qualification. Account ending #[redacted] [redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-19): Bank Statement for the [readacted]month [readacted]document received and verified. Exception cleared. Buyer Comment (2026-05-15): Please see attached [readacted] Statement for [redacted] acct [readacted] |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499484 | [Redacted] | [Redacted] | 36352984 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Borrower income used [redacted]months for the qualification. Account ending #[redacted][redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-19): Bank Statement for the [readacted]month [readacted]document received and verified. Exception cleared. Buyer Comment (2026-05-15): Please see attached [readacted] Statement for [redacted] acct [readacted] |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225499484 | [Redacted] | [Redacted] | 36352987 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI difference due to borrower qualified income of [redacted] which does not match with the calculated income of [redacted], resulting in the DTI difference. | Reviewer Comment (2026-05-21): Received revised [readacted]and [readacted]. Exception cleared. Buyer Comment (2026-05-19): Please see attached updated [readacted]/[readacted]. I have also requested a bid-tape correction |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499484 | [Redacted] | [Redacted] | 36352991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to borrower income used [redacted]months for the qualification. Account ending #[redacted][redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-21): Received revised [readacted]and [readacted]. Exception cleared. Buyer Comment (2026-05-19): Please see attached updated [readacted]/[readacted]. I have also requested a bid-tape correction Reviewer Comment (2026-05-19): DTI difference due to borrower qualified income of $[readacted]which does not match with the calculated income of $[readacted], resulting in the DTI difference. Exception remains Buyer Comment (2026-05-15): Please see attached [readacted] Statement for [redacted] acct [readacted] |
05/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225499484 | [Redacted] | [Redacted] | 36352993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to borrower income used [redacted]months for the qualification. Account ending #[redacted][redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-19): Bank Statement for the [readacted]month [readacted]document received and verified. Exception cleared. Buyer Comment (2026-05-15): Please see attached [readacted]Statement for [redacted] acct [readacted] |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499484 | [Redacted] | [Redacted] | 36352998 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower income used [redacted]months for the qualification. Account ending #[redacted][redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-19): Bank Statement for the [readacted]month [readacted]document received and verified. Exception cleared. Buyer Comment (2026-05-15): Please see attached [readacted] Statement for [redacted] acct [readacted] |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225499484 | [Redacted] | [Redacted] | 36353000 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Waterfall due to borrower income used [redacted]months for the qualification. Account ending #[redacted][redacted]month [redacted]([redacted]) account statement is missing from the file. | Reviewer Comment (2026-05-21): Received revised [readacted]and [readacted]. Exception cleared. Buyer Comment (2026-05-19): Please see attached updated [readacted]/[readacted]. I have also requested a bid-tape correction Reviewer Comment (2026-05-19): DTI difference due to borrower qualified income of $[readacted]which does not match with the calculated income of $[readacted], resulting in the DTI difference. Exception remains Buyer Comment (2026-05-15): Please see attached [readacted] Statement for [redacted] acct [readacted] |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499485 | [Redacted] | [Redacted] | 36343723 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded by [redacted] due to an increase in the recording fee. No valid Change of Circumstance was provided, nor was evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include [redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-04): [readacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-02): Please see attached. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225499485 | [Redacted] | [Redacted] | 36343724 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee of [redacted] was not disclosed to the borrower until the final Closing Disclosure. No valid Change of Circumstance or cure was provided. | Reviewer Comment (2026-05-20): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-19): Please see attached final CD which shows this credit has already been given. Please clear condition. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225499488 | [Redacted] | [Redacted] | 36351527 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-05-15): Received Updated [readacted]and [readacted]and DTI is within tolerance, Exception cleared. |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225499488 | [Redacted] | [Redacted] | 36351797 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Values are updated as per available document. Income [redacted] Subject PITIA [redacted] Primary PITIA [redacted] Debt [redacted] |
Reviewer Comment (2026-05-15): Received Updated [readacted]and [readacted]and DTI is within tolerance, Exception cleared. Buyer Comment (2026-05-13): Updated [readacted]/[readacted]. Bid tape to be updated |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225499493 | [Redacted] | [Redacted] | 36352905 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-05-20): Received hazard insurance for the property. Exception cleared. Buyer Comment (2026-05-17): hoi upld |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225499495 | [Redacted] | [Redacted] | 36351057 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is not provided in file | Reviewer Comment (2026-05-11): Hazard Insurance Policy, cleared Buyer Comment (2026-05-08): Hazard |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225499495 | [Redacted] | [Redacted] | 36351058 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is not provided in file | Reviewer Comment (2026-06-02): Borrower is non-permanent resident with ITIN which can be validated with CPA letter. Exception cleared. Buyer Comment (2026-06-01): Rebuttal Reviewer Comment (2026-05-11): Need a Visa with a category of [redacted] or an Employment Authorization Document with code of C[readacted] for Non-Permanent Residents. Buyer Comment (2026-05-08): Identification |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225499496 | [Redacted] | [Redacted] | 36353050 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | The file is missing a copy of the [redacted]valuation required for securitization purposes. CU Score [redacted] and LCA Risk [redacted]. | Reviewer Comment (2026-05-14): Received Desk Review. Exception Cleared. Buyer Comment (2026-05-12): Please see attached. |
05/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | A | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| 225500042 | [Redacted] | [Redacted] | 36360624 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Due Diligence review is [redacted]% however the Bid Tape and [redacted] refle [redacted]%. The lender did not use the correct qualifying rate per guidelines. | Reviewer Comment (2026-05-21): Received revised [readacted]with updated DTI. Exception cleared. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225500042 | [Redacted] | [Redacted] | 36360662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-21): Received revised [readacted]with updated DTI. Exception cleared. Buyer Comment (2026-05-19): [readacted]. Please clear. |
05/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225500042 | [Redacted] | [Redacted] | 36360663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Lender used a different qualifying rate. | Reviewer Comment (2026-05-21): Received revised [readacted]with updated DTI. Exception cleared. Buyer Comment (2026-05-19): [readacted]. Please clear. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225500101 | [Redacted] | [Redacted] | 36352907 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Require mortgage statement for Lien [redacted]& [redacted]. Require appraisal report. | Reviewer Comment (2026-05-27): P&I amount verified from credit report. Exception cleared. Buyer Comment (2026-05-26): Per guidelines " If Company is able to validate the payment history through other means, then the mortgage statement is not necessary" The [readacted]nd Mtg with [redacted] is verified on the credit report. Please ALSO refer to the program guidelines, Section [readacted]Installment debt (including Mortgage) which states "Installment loans (i.e., car loan, student loan, etc.) must be included in the DTI/Debt Service. Utilize the payment listed on the credit report for qualifying". Therefore the credit report can be relied upon and additional documentation is not required. There is NO reason that the mortgage statement should be required. Reviewer Comment (2026-05-19): Received Closing Disclosure. Please provide Mortgage Statement/ [readacted]payment letter or Note document to verify [readacted]nd lien P&I amount of $[readacted]. Exception remains Buyer Comment (2026-05-15): Mortgage statements are needed if you are verifying if taxes and insurance are included in the payment. Escrows are not included on [readacted]nd and [readacted]rd DOTs and Escrows are already verified in the first mortgage payment with the mortgage statement. Per guidelines: "If Company is able to validate the payment history through other means, then the mortgage statement is not necessary" . The [readacted]nd Mtg with [redacted] is verified on the credit report. The [readacted]Bridge loan is new and the Final CD has been attached. The appraisal has also been attached. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225500101 | [Redacted] | [Redacted] | 36522408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is different than payee name on Final CD. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure. | Reviewer Comment (2026-05-27): [readacted]received corrected PCCD and LOE Buyer Comment (2026-05-26): Please see Cover letter and updated/corrected PCCD moving the Shopped fees to Section C as applicable. These fees were shopped by the borrower and borrower chose a provider that is not on our SSPL therefor we are not held to any tolerance. Please see the SSPL (D0[readacted]) to support the fees were shopped. The corrected PCCD was delivered to the borrower via our internal system. |
05/27/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225504531 | [Redacted] | [Redacted] | 36353239 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or[redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-19): Received evidence of borrower's receipt. Condition cleared. Buyer Comment (2026-05-15): Variance is less than .[readacted]%. Please waive. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225504531 | [Redacted] | [Redacted] | 36353240 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted]business days to closing. | Reviewer Comment (2026-05-19): Received receipt of appraisal verified, exception cleared Buyer Comment (2026-05-15): Please see attached. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225504622 | [Redacted] | [Redacted] | 36353276 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-06-03): [readacted]and bid tape updated. |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225504622 | [Redacted] | [Redacted] | 36353277 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-06-03): [readacted]and bid tape updated. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225504622 | [Redacted] | [Redacted] | 36357336 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the signed/dated close out letter for the HELOC paid at closing. | Reviewer Comment (2026-05-15): Cleared. Received close out letter for the HELOC paid at closing. Buyer Comment (2026-05-14): Close out letter |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225504622 | [Redacted] | [Redacted] | 36361006 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The bid tape DTI is [redacted]% however due diligence is [redacted]. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-06-03): [readacted]and bid tape updated. Buyer Comment (2026-06-01): I believe bid tape now reflects [readacted]% Reviewer Comment (2026-05-15): The bid tape DTI is [readacted]however due diligence is [readacted]. The excepiton will be reviewed again when the updated Bid tape for the DTI is received/reviewed. Buyer Comment (2026-05-13): Updated [readacted]/[readacted]. Bid tape will be adjusted |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225504675 | [Redacted] | [Redacted] | 36353259 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Reviewer Comment (2026-05-21): Received Closing Disclosure. Exception Cleared. Buyer Comment (2026-05-19): please see attached CD for the CES on this transaction |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225504675 | [Redacted] | [Redacted] | 36353295 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The provided document currently reflects a pending status for the Electronic Consent Date. | Reviewer Comment (2026-05-21): Received E-Sign Consent Agreement. Exception Cleared. Buyer Comment (2026-05-19): Please see attached EConsent |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225504675 | [Redacted] | [Redacted] | 36353359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of [redacted] exceeds tolerance of [redacted]. No cure was provided to borrower at closing, nor valid change of circumstance was provided. | Reviewer Comment (2026-05-20): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-19): Please see final CD that already shows a lender credit for $[readacted]to cure this v[Redacted]tion. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225504675 | [Redacted] | [Redacted] | 36353360 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of [redacted] exceeds tolerance of [redacted]. No cure was provided to borrower at closing, nor valid change of circumstance was provided. | Reviewer Comment (2026-05-20): [readacted]Received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-05-19): Please see PCCD and cover letter attached. PCCD has been updated moving the Attorney Fee of $[readacted]to Section H, as this is a [readacted] fee based on the borrower requesting an attorney to review their documents. Attorney fees are not required in the state of [readacted] and this is the borrower's selection and not on the list of service providers listed by [readacted]. Due to this being a clerical issue only, the PCCD and cover letter have been delivered to the borrower via our internal system Buyer Comment (2026-05-19): Please see PCCD and cover letter attached. PCCD has been updated moving the Attorney Fee of $[readacted]to Section H, as this is a [readacted]y fee based on the borrower requesting an attorney to review their documents. Attorney fees are not required in the state of [readacted] and this is the borrower's selection and not on the list of service providers listed by [redacted]. Due to this being a clerical issue only, the PCCD and cover letter have been delivered to the borrower via our internal system |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225504675 | [Redacted] | [Redacted] | 36541892 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225504684 | [Redacted] | [Redacted] | 36353097 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provided Closing Statement is estimated. Please provide an executed Final HUD-1 or Closing Statement. | Reviewer Comment (2026-05-19): Final Closing Statement, cleared Buyer Comment (2026-05-19): final ss upld |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225505065 | [Redacted] | [Redacted] | 36360406 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | HO-[redacted]policy is not provided. | Reviewer Comment (2026-05-29): HO-6 policy is not required. Exception cleared. Buyer Comment (2026-05-28): agent lox confirming walls in is included in the policy provided on d[readacted]-d[readacted] |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225505065 | [Redacted] | [Redacted] | 36360427 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | [redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | State disclosure not provided. | Reviewer Comment (2026-05-20): Received [readacted]Lien Refinance Notice document. Exception Cleared. Buyer Comment (2026-05-18): initial & final disclosure upld |
05/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225505113 | [Redacted] | [Redacted] | 36360834 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Reviewer Comment (2026-05-11): Updated Hazard Insurance policy with correct premium received and verified the details. DSCR is corrected. Exception Cleared. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225505113 | [Redacted] | [Redacted] | 36360842 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Rent [redacted]/ (Tax [redacted] + HOI[redacted] + PI [redacted]) = [redacted] | Reviewer Comment (2026-05-11): Updated Hazard Insurance policy with correct premium received and verified the details. DSCR is corrected. Exception Cleared. Buyer Comment (2026-05-07): Here is the correct HOI policy for thsi proeprty. this is a combined HOI policy with another proeprty and the signect premioum is [readacted]per [readacted]for a [readacted]amount of [readacted]. The corrected DSCR score shoudl be [readacted]. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225505166 | [Redacted] | [Redacted] | 36357733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed as [redacted] vs actual amount of [redacted]. Variance of [redacted] caused by Title/tax certification fee not being disclosed on initial LE. | Reviewer Comment (2026-05-28): [readacted]received LOA. Buyer Comment (2026-05-27): Please see attached email from title which states that this is a [readacted]time fee. Please clear condition. |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225505166 | [Redacted] | [Redacted] | 36357734 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[redacted] is under disclosed by [redacted]compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed as [redacted] vs actual amount of [redacted]. Variance of [redacted] caused by Title/tax certification fee not being disclosed on initial LE. | Reviewer Comment (2026-05-28): [readacted]received LOA. Buyer Comment (2026-05-27): Please see attached email from title which states that this is a [readacted]time fee. Please clear condition. |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225506870 | [Redacted] | [Redacted] | 36496858 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-15): Sufficient Cure Provided At Closing |
05/15/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225516901 | [Redacted] | [Redacted] | 36361480 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-05-19): [readacted]received corrected PCCD and LOE Buyer Comment (2026-05-17): pccd docs upld |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225518070 | [Redacted] | [Redacted] | 36361807 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-05-21): Received Employment Authorization. Exception Cleared. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225518070 | [Redacted] | [Redacted] | 36361813 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-05-21): Received Employment Authorization. Exception Cleared. Buyer Comment (2026-05-19): [readacted]. Please clear |
05/21/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225518070 | [Redacted] | [Redacted] | 36361814 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-05-21): Received Employment Authorization. Exception Cleared. Buyer Comment (2026-05-19): [readacted]. Please clear |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225518070 | [Redacted] | [Redacted] | 36361821 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Final Title Policy is not provided in the file.Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-01): Received final title. Exception cleared. Buyer Comment (2026-05-28): Please see attached. |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225518070 | [Redacted] | [Redacted] | 36361824 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-06-01): Received final title. Exception cleared. |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225518070 | [Redacted] | [Redacted] | 36361852 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstances for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-20): [readacted]: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-19): Please review final closing disclosure. The fee has already been credited to the borrower. Please clear condition. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225518070 | [Redacted] | [Redacted] | 36542373 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225518088 | [Redacted] | [Redacted] | 36408018 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-05-08): Updated DSCR worksheet received and now there is no discrepancy. Exception Cleared. Buyer Comment (2026-05-06): [readacted]respectfully disagrees with finding. [readacted]seems to be using higher monthly rent of $[readacted]. Please review [readacted]& DSCR Calculation and clear finding. Buyer Comment (2026-05-06): DSCR & [readacted] |
05/08/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225518738 | [Redacted] | [Redacted] | 36361397 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. | Reviewer Comment (2026-05-18): Disbursement date updated correctly. Exception cleared. Buyer Comment (2026-05-14): FSS , file disbursed on [readacted] |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225518741 | [Redacted] | [Redacted] | 36406279 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: Escrows | Reviewer Comment (2026-05-08): Updated correct tax and Hazard Insurance expenses in the file. Exception Cleared. Buyer Comment (2026-05-06): [readacted]respectfully disagrees with finding. [readacted]using incorrect figures for HOI & Property taxes. Please review Policy & County Tax documents, re-calculate and clear finding. Buyer Comment (2026-05-06): HOI & Property tax docs |
05/08/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225518748 | [Redacted] | [Redacted] | 36361689 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | The file was missing a copy of the final title policy. | Reviewer Comment (2026-05-18): Title Supplement shows judgments has been removed. Exception Cleared |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225518748 | [Redacted] | [Redacted] | 36363365 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Judgment for child, family, or spousal support reflected on title. Proof that the judgment is paid off is needed. | Reviewer Comment (2026-05-18): Title Supplement shows judgments has been removed. Exception Cleared Buyer Comment (2026-05-14): See page [readacted]D0[readacted] for title supplement removing the judgement |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225518764 | [Redacted] | [Redacted] | 36363858 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient [redacted]. Missing replacement cost estimator. | Reviewer Comment (2026-05-07): Policy reflects full replacement cost. Exception cleared. Buyer Comment (2026-05-05): Please see attached. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225518864 | [Redacted] | [Redacted] | 36361661 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Initial Loan Estimate was signed and dated on[redacted]; E-Sign Consent was received on [redacted]. | Reviewer Comment (2026-06-02): [readacted]received LE dated [readacted] Buyer Comment (2026-06-01): ILE Reviewer Comment (2026-05-15): [readacted]disclosure tracking indicates that the initial LE was issued on [readacted] and received by the borrower on [readacted]. However, the [readacted] LE was not found in the loan file and is required for testing. Buyer Comment (2026-05-14): Disclosure Tracking Buyer Comment (2026-05-14): eConsent |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225521361 | [Redacted] | [Redacted] | 36368256 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Asset documents are missing in file. Short reserves | Reviewer Comment (2026-05-19): Received HUD-[readacted]showing the cash out transaction to cover cash from borrower. Exception cleared Buyer Comment (2026-05-18): FSS from other refi, cash out used for reserves on this file and cash to close |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225521361 | [Redacted] | [Redacted] | 36368264 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Asset documents are missing in file. Short reserves | Reviewer Comment (2026-05-19): Received HUD-[readacted]showing the cash out transaction to cover reserves. Exception cleared Buyer Comment (2026-05-18): see FSS from other loan |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225521361 | [Redacted] | [Redacted] | 36368266 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is missing in file. | Reviewer Comment (2026-05-15): Received Patriot Act Customer Identification. Exception Cleared. Buyer Comment (2026-05-13): Patriot act form |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225521364 | [Redacted] | [Redacted] | 36367905 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Diligence DSCR:[redacted]; Bid Tape DSCR: [redacted]. Lease agreement amount considered for the calculation | Reviewer Comment (2026-05-11): cleared Buyer Comment (2026-05-07): [redacted] respectfully disagrees with finding. Please review approved exception allowing usage of lease rent, DSCR calc and clear finding Buyer Comment (2026-05-07): Exception, DSCR calc |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225521369 | [Redacted] | [Redacted] | 36367676 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Borrower does not meet minimum tradeline requirements. Borrower must have [redacted] trade lines and a credit history covering [redacted]months preceding the application date, however, only [redacted]tradelines are listed on the credit report. Neither alternative credit references nor and approved exception is provided. | Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-04): Lender Exception with Compensating Factors provided. Buyer Comment (2026-04-30): Please see attached. |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225521383 | [Redacted] | [Redacted] | 36368940 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification that the use of business funds will not have a negative impact on the business, via a CPA letter or cash flow analysis, is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-06): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-04): EXPECTATION |
05/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225521914 | [Redacted] | [Redacted] | 36368996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted]on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-01): [readacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-28): Please see attached Cure check, PCCD, cover letter and proof [redacted] delivered Buyer Comment (2026-05-28): Please see attached Cure check, PCCD, cover letter and proof [redacted] delivered Buyer Comment (2026-05-28): Please see attached Cure check, PCCD, cover letter and proof [redacted] delivered |
06/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225521923 | [Redacted] | [Redacted] | 36364472 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): Sufficient Cure Provided At Closing |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225523105 | [Redacted] | [Redacted] | 36368978 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee increased to [redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-19): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-15): See D0[readacted] page [readacted]for consummation CD , on the bottom of page [readacted]is the cure for this |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225523105 | [Redacted] | [Redacted] | 36532073 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225524720 | [Redacted] | [Redacted] | 36532090 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225526281 | [Redacted] | [Redacted] | 36372933 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing from file. | Reviewer Comment (2026-05-20): Final [readacted]received & associated. Exception cleared. Buyer Comment (2026-05-18): Please see attached Flood Cert Buyer Comment (2026-05-18): Please see attached Final [readacted]'s for both borrower |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225526281 | [Redacted] | [Redacted] | 36372934 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is missing. | Reviewer Comment (2026-05-20): Flood Certificate received & associated. Exception cleared. Buyer Comment (2026-05-18): Please see attached Flood Cert |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225526281 | [Redacted] | [Redacted] | 36372937 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | 1-4 Family Rider is not missing. | Reviewer Comment (2026-05-20): [readacted]Family Rider received & associated. Exception cleared. Buyer Comment (2026-05-18): Please see attached 1-4 Family Rider |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225526281 | [Redacted] | [Redacted] | 36372952 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted]business days of the Note. | Reviewer Comment (2026-06-02): Received VVOE dated [readacted]. Exception cleared. Buyer Comment (2026-06-01): Please see attached final closing disclosure. Reviewer Comment (2026-05-20): The final Closing Disclosure is not present in the file; therefore, the system has automatically captured the signing date of the initial Closing Disclosure ([readacted] as the closing date. Exception remains. Buyer Comment (2026-05-18): Please see attached VVOE dated [readacted]. Buyer Comment (2026-05-18): Please see attached VVOE dated [readacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225526281 | [Redacted] | [Redacted] | 36372953 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-06-02): Received VVOE dated [readacted]. Exception cleared. Buyer Comment (2026-06-01): Please see attached final closing disclosure. Reviewer Comment (2026-05-20): The final Closing Disclosure is not present in the file; therefore, the system has automatically captured the signing date of the initial Closing Disclosure [readacted] as the closing date. Exception remains. Buyer Comment (2026-05-18): Please see attached VVOE dated [readacted]. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225526409 | [Redacted] | [Redacted] | 36374022 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The insurance coverage is insufficient to cover the mortgage amount nor [redacted]% of the estimated cost new. | Reviewer Comment (2026-05-13): RCE, cleared Buyer Comment (2026-05-13): Please see attached RCE showing Reconstruction Cost $[readacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225526653 | [Redacted] | [Redacted] | 36368962 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): Sufficient Cure Provided At Closing |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225526653 | [Redacted] | [Redacted] | 36373829 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for an exception for :Project is on the unavailable list for having pooled master insurance, however insurance agent has provided a statement of values and confirmed the dedicated amount of coverage for the project. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-30): Client elects to waive and downgrade with compensating factors. Actual Reserves: $[readacted] Required Reserves: $[readacted] |
04/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225526862 | [Redacted] | [Redacted] | 36368929 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-29): Sufficient Cure Provided At Closing |
04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225526862 | [Redacted] | [Redacted] | 36422614 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy: LTV | Reviewer Comment (2026-05-13): Cleared. Updated value. Buyer Comment (2026-05-11): There is an LTV discrepancy. I think you should be using the value of [readacted]k since the borrower purchased the property on [readacted] for that amount. Can you please correct the value used on this file. I have uploaded the appriasial showing the property transfer history and price history. |
05/13/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225526862 | [Redacted] | [Redacted] | 36464659 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | Please provided the closing statement for the previous purchase of subject property on [redacted]. | Reviewer Comment (2026-05-26): Received initial purchase closing statement. Exception cleared. Buyer Comment (2026-05-22): Settlement statement |
05/26/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225526862 | [Redacted] | [Redacted] | 36464660 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided | Please provided the closing statement for the previous purchase of subject property on [redacted] | Reviewer Comment (2026-05-26): Received initial purchase closing statement. Exception cleared. Buyer Comment (2026-05-22): See settlement statement |
05/26/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225526894 | [Redacted] | [Redacted] | 36369074 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor vs Non QM | Ability to Repay ([redacted]): Investor's calculated residual income is greater than the calculated Non QM residual income amount. | Investor's calculated residual income is greater than the calculated Non-QM residual income amount. | Reviewer Comment (2026-05-20): Re-validated Qualification Method as per ARM program. Exception cleared. Buyer Comment (2026-05-18): Appears the difference is partially due to the Qualifying rate on the subject loan, this should be [readacted]however you have note rate of [readacted]reflect: Qualify at index [readacted](date locked[readacted]) + margin [readacted] = [readacted]or rounded to [readacted]. In addition the installment debt with [readacted]has less than [readacted]payments remaining and has been excluded from qualifying ratios as borrower has sufficient reserves to pay this debt. |
05/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225526894 | [Redacted] | [Redacted] | 36369075 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay ([redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-05-20): Re-validated Qualification Method as per ARM program. Exception cleared. Buyer Comment (2026-05-18): Appears the difference is partially due to the Qualifying rate on the subject loan, this should be [readacted]however you have note rate of [readacted]reflect: Qualify at index [readacted](date locked [readacted] + margin [readacted]= [readacted]or rounded to [readacted]. In addition the installment debt with [redacted] Bank has less than [readacted]payments remaining and has been excluded from qualifying ratios as borrower has sufficient reserves to pay this debt. |
05/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225526894 | [Redacted] | [Redacted] | 36369076 | Compliance | Compliance | State Compliance | State Defect | [redacted] SB 1894 | [redacted] Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-05-20): Certificate of Compliance is already provided in file. Exception cleared. Buyer Comment (2026-05-18): Please see Certificate of Compliance in D0[readacted] |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225526936 | [Redacted] | [Redacted] | 36369274 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number ([redacted]) not provided | Reviewer Comment (2026-05-19): Employer Identification Number, cleared Buyer Comment (2026-05-19): ein upld |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225526983 | [Redacted] | [Redacted] | 36369113 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing CPA letter or equivalent document confirming borrower's business ownership percentage. | Reviewer Comment (2026-05-29): Received CPA letter. Condition cleared. Buyer Comment (2026-05-28): cpa letter upld |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225526983 | [Redacted] | [Redacted] | 36369116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing CPA letter or equivalent document confirming borrower's business ownership percentage. | Reviewer Comment (2026-05-29): Received CPA letter. Condition cleared. Buyer Comment (2026-05-28): cpa letter upld to trl docs |
05/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225526983 | [Redacted] | [Redacted] | 36369118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing CPA letter or equivalent document confirming borrower's business ownership percentage. | Reviewer Comment (2026-05-29): Received CPA letter. Condition cleared. Buyer Comment (2026-05-28): cpa letter upld to trl docs |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225526983 | [Redacted] | [Redacted] | 36369120 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing CPA letter or equivalent document confirming borrower's business ownership percentage. | Reviewer Comment (2026-05-29): Received CPA letter. Condition cleared. Buyer Comment (2026-05-28): cpa letter upld to trl docs |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225527056 | [Redacted] | [Redacted] | 36371312 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report Fee was disclosed on initial Loan estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-05-20): [readacted]: Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-19): please cancel, this was cured at closing on final cd, section j |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225527056 | [Redacted] | [Redacted] | 36542533 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225527058 | [Redacted] | [Redacted] | 36373543 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee. Fee amount of $[redacted] exceeds the tolerance of $[redacted] with no valid change of circumstances, and no cure was provided to the borrower. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225527060 | [Redacted] | [Redacted] | 36380434 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-04): [readacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-03): pccd docs upld Reviewer Comment (2026-05-26): [readacted] received COC dated [readacted] stating "transfer tax $[readacted]higher than last disclosed" is invalid. Kindly provide a valid COC as to why the transfer tax increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-22): in person [readacted]le uploaded showing the intital increase $[readacted]., the valid coc is on d0[readacted] , the additional $[readacted]was cured at closing on the final cd. |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225527060 | [Redacted] | [Redacted] | 36382475 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing statement for second mortgage on departing residence. | Reviewer Comment (2026-05-27): Received Closing Disclosure is associated as Mortgage statement, exception cleared Buyer Comment (2026-05-26): revised [readacted]/[readacted]and cd from bridge loan upld Reviewer Comment (2026-05-26): Mortgage statement Doc ID D0[readacted] is for 1st lien. Mortgage statement for [readacted]nd lien to verify P&I $[readacted]is required. Exception remains. Buyer Comment (2026-05-22): please cancel, mortgage statement is on d0[readacted] |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225527074 | [Redacted] | [Redacted] | 36374340 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-22): E-sign Consent Agreement provided and associated. Exception cleared Buyer Comment (2026-05-21): proof econdent accepted and initiall disclosures were also mailed upld |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225527074 | [Redacted] | [Redacted] | 36374473 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax verification for [redacted] [redacted][redacted] Property. | Reviewer Comment (2026-05-27): Received tax certificate is verified and captured the tax amount, exception cleared. Buyer Comment (2026-05-26): please clear, the state does not allow the name/property address to be listed on the tax searches, the legal description attached to the deed provided on d0[readacted]confirms the parcel number is for this property. Reviewer Comment (2026-05-22): Property address is not mentioned on the Tax verification document. Exception remains Buyer Comment (2026-05-21): please cancel, tax cert is on d0[readacted] |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225528706 | [Redacted] | [Redacted] | 36380461 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225528747 | [Redacted] | [Redacted] | 36373838 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing the change of circumstance document. | Reviewer Comment (2026-05-20): [readacted]received rebuttal and valid COC document Buyer Comment (2026-05-16): This is not an appraisal Desk Review Fee this is for an appraisal fee for an appraisal for the borrower's departing residence. COC is found in D0[readacted]. When borrower's home didn't sell in time for this subject transaction, an appraisal on the departing residence was required to validate sufficient equity to be able to exclude the payment from qualifying on the subject loan. Please see attached appraisal request with an order date of [readacted]. Disclosed to borrower via new LE on[readacted] |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225529199 | [Redacted] | [Redacted] | 36379703 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation not provided for securitization. | Reviewer Comment (2026-05-14): Secondary valuation received and verified. Exception cleared. Buyer Comment (2026-05-12): Please see attached. |
05/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225533294 | [Redacted] | [Redacted] | 36382648 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Reviewer Comment (2026-05-19): Received Condo Certificate in the file. Exception Cleared. Buyer Comment (2026-05-16): Please see attached Condo Cert. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225539492 | [Redacted] | [Redacted] | 36380695 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on Final Disclosure of [redacted]% is greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. | Reviewer Comment (2026-06-01): Print out shows Borrower recvd appraisal [readacted] Reviewer Comment (2026-05-18): EXCEPTION HISTORY - Exception Detail was updated on [readacted]PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [readacted]% or Final Disclosure APR of [readacted]% is equal to or greater than the threshold of APOR [readacted]% + [readacted]%, or [readacted]%. Non-Compliant Higher Priced Mortgage Loan. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225539492 | [Redacted] | [Redacted] | 36380696 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-06-01): Print out shows Borrower recvd appraisal [readacted] Buyer Comment (2026-05-28): please see attached printout from appraiser website. clerical revisions only were made on [readacted]to correct flood map zone. clerical revisions do not require the [readacted]day wait. non qm |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225541900 | [Redacted] | [Redacted] | 36380503 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-05-11): Received E-Sign consent. Exception Cleared. Buyer Comment (2026-05-07): Please see attached. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225542547 | [Redacted] | [Redacted] | 36380598 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [redacted] Loan Estimate and again on [redacted] Closing Disclosure with no valid change evident. | Reviewer Comment (2026-05-19): [readacted]Received Valid COC dated [readacted] along with lender exception form. Buyer Comment (2026-05-16): Please see attached Changed Circumstances. The increase was a fee of .[readacted](points increased from [readacted]to [readacted]) due to an exception fee. If you look at the [readacted]rd page of the rate lock D0[readacted], it shows there is a LLPA of .[readacted]for Guideline Exception. Exception is attached that shows it was approved [readacted], lock updated[readacted] and COC issued [readacted]. I have uploaded the initial lock from prior to the addition of the exception fee to show it was not previously part of the points charged initially of [readacted]% Buyer Comment (2026-05-16): Please see attached Changed Circumstances. The increase was a fee of .[readacted](points increased from [readacted]to [readacted]) due to an exception fee. If you look at the [readacted]rd page of the rate lock D0[readacted], it shows there is a LLPA of .[readacted]for Guideline Exception. Exception is attached that shows it was approved [readacted], lock updated [readacted] and COC issued [readacted]. I have uploaded the initial lock from prior to the addition of the exception fee to show it was not previously part of the points charged initially of [readacted]% |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225543074 | [Redacted] | [Redacted] | 36387966 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Hazard Blanket policy missing in file. | Reviewer Comment (2026-06-01): No new document received. Per appraisal report, project is not a part of homeowner association with $[readacted]per month HOA. Project is not the part of blanket coverage. Available hazard insurance policy covers total replacement cost. Exception cleared. Buyer Comment (2026-05-28): . I took a look at the condo approval and there is not a master policy. It is a [readacted] unit non warrantable condo and not part of a master hoa. There are no dues and the email in the condo review approval confirms that as well. There is no Master policy/ Hazard blanket policy. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225543109 | [Redacted] | [Redacted] | 36387829 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI mismatch due to Qualifying Income. Due diligence review calcuation of income is $[redacted] however the 1008 reflects $[redacted]. | Reviewer Comment (2026-05-20): Received revised [readacted]and [readacted]with updated income. DTI matches with [readacted]. Exception cleared. Buyer Comment (2026-05-18): Please see updated [readacted]/[readacted]with corrections as applicable. Request for Bid Tape update has been sent. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225543109 | [Redacted] | [Redacted] | 36387850 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation mismatch due to DTI issue. | Reviewer Comment (2026-05-20): Received revised [readacted]and [readacted]with updated income. DTI matches with 1008. Exception cleared. Buyer Comment (2026-05-18): Please see updated [readacted]/[readacted]with corrections as applicable. Request for Bid Tape update has been sent. |
05/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225543109 | [Redacted] | [Redacted] | 36387851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI mismatch due to Qualifying Income. | Reviewer Comment (2026-05-20): Received revised [readacted]and [readacted]with updated income. DTI matches with 1008. Exception cleared. Buyer Comment (2026-05-18): Please see updated [readacted]/[readacted]with corrections as applicable. Request for Bid Tape update has been sent. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225543875 | [Redacted] | [Redacted] | 36388571 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225544716 | [Redacted] | [Redacted] | 36388613 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-05-21): Credit report received and updated all the transactions. Buyer Comment (2026-05-19): Credit report |
05/21/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225544716 | [Redacted] | [Redacted] | 36388662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing credit report. | Reviewer Comment (2026-05-21): Credit report received and updated all the transactions. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225544921 | [Redacted] | [Redacted] | 36388738 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC document was not found in the loan file. | Reviewer Comment (2026-05-18): OFAC, cleared Buyer Comment (2026-05-18): OFAC findings |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225544927 | [Redacted] | [Redacted] | 36388797 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient cure is required. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225544927 | [Redacted] | [Redacted] | 36392763 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-05-21): Cash Flow Analysis received and verified. Exception cleared. Buyer Comment (2026-05-19): Cash Flow |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225545203 | [Redacted] | [Redacted] | 36389215 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provided [redacted] months of bank statements for [redacted] account ending [redacted]. As per the UW Worksheet, UW had calculated [redacted] months of business bank statements from [redacted]. However, recent [redacted] months of bank statements were received for the period [redacted]. The [redacted] business bank statement is missing for consecutive bank statements. | Reviewer Comment (2026-05-21): Received recent business bank statement is captured in bank statement income and associated, exception cleared. Buyer Comment (2026-05-19): Statement |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225545379 | [Redacted] | [Redacted] | 36388749 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds / Warranty / Grant is missing. | Reviewer Comment (2026-05-20): Received Deed in file. Exception Cleared. Buyer Comment (2026-05-18): Deed |
05/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225545816 | [Redacted] | [Redacted] | 36389738 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225546632 | [Redacted] | [Redacted] | 36388874 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address [redacted] does not match Note address [redacted]. | Reviewer Comment (2026-06-05): Received address affidavit. Exception Cleared. Buyer Comment (2026-06-03): Please see attached copy of address affidavit to clear all remaining conditions Reviewer Comment (2026-05-20): Reviewed all trailing documentation, however evidence the exception has been addressed was not located. Buyer Comment (2026-05-19): [readacted] Reviewer Comment (2026-05-19): The Insurance evidence does not include 'St' in the recorded address. Exception remains. Buyer Comment (2026-05-16): Please see doc D0[readacted] pgs. [readacted] showing subject address matches the note. Please remove the condition. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225546632 | [Redacted] | [Redacted] | 36388877 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject Address [redacted]does not match Note address [redacted] | Reviewer Comment (2026-06-05): Received address affidavit. Exception Cleared. Buyer Comment (2026-06-04): please see copy of address affidavit Reviewer Comment (2026-05-19): Flood Certificate does not include 'St' in the recorded address. Exception Remains. Buyer Comment (2026-05-16): It is a condominium. The "[redacted]" is the unit. please remove condition. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225546632 | [Redacted] | [Redacted] | 36388883 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation address [redacted] does not match Note address [redacted] | Reviewer Comment (2026-06-05): Received address affidavit. Exception Cleared. Buyer Comment (2026-06-04): please see copy of address affidavit Reviewer Comment (2026-05-20): Reviewed all trailing documentation, however evidence the exception has been addressed was not located. Buyer Comment (2026-05-19): [readacted] Buyer Comment (2026-05-19): Please see attached below Reviewer Comment (2026-05-19): The valuation report does not include 'St' in the recorded address. Exception Remains. Buyer Comment (2026-05-16): It is a condominium. The "[redacted]" is the unit. please remove condition. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225546632 | [Redacted] | [Redacted] | 36388900 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for multi-unit building all being renovated and split into separate units is approved. However, the lender exception form, approval, and disposition were not provided. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-05-20): Client elects to waive with compensating factors. Buyer Comment (2026-05-16): Please see attached below |
05/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 225546820 | [Redacted] | [Redacted] | 36389064 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent agreement was not found in file. | Reviewer Comment (2026-05-14): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-05-13): Please see attached. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225546867 | [Redacted] | [Redacted] | 36392437 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed for subject transaction. | Reviewer Comment (2026-05-21): Deed for subject transaction, cleared Buyer Comment (2026-05-21): Please see attached copy of deed to [readacted] Reviewer Comment (2026-05-13): Require Transfer of Deed to borrowing entity in the file. Exception Remains. Buyer Comment (2026-05-11): Deed |
05/21/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225546867 | [Redacted] | [Redacted] | 36445653 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy: DSCR | Reviewer Comment (2026-05-13): Updated correct rent for unit [readacted]nd as per provided rent comparable schedule. DSCR requirement met. Exception Cleared. Buyer Comment (2026-05-11): [readacted] Buyer Comment (2026-05-11): [redacted] respectfully disagrees with AMC DSCR calculation. AMC seems to be omitting additional $[readacted]/month for parking. $[readacted]/ $[readacted]= [readacted] Please review [readacted]and clear finding. |
05/13/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||||
| 225546888 | [Redacted] | [Redacted] | 36393439 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | Acknowledged; member, information not required. | Reviewer Comment (2026-05-29): Member information is not required.Exception cleared. Buyer Comment (2026-05-27): Please see [readacted]which has all declarations completed. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225546888 | [Redacted] | [Redacted] | 36393440 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | Acknowledged; member, information not required. | Reviewer Comment (2026-05-29): Member information is not required.Exception cleared. Buyer Comment (2026-05-27): Please see [readacted]which shows all declartions completed. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225546888 | [Redacted] | [Redacted] | 36393441 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. | - | Acknowledged; member, information not required. | Reviewer Comment (2026-05-29): Member information is not required. Exception cleared. Buyer Comment (2026-05-27): Please see [readacted]which shows all declartions completed. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225546888 | [Redacted] | [Redacted] | 36393442 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | Acknowledged; member, information not required. | Reviewer Comment (2026-05-29): Member information is not required. Exception cleared. Buyer Comment (2026-05-27): Please see [readacted]which shows all declartions completed. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225547089 | [Redacted] | [Redacted] | 36397714 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Transfer of deed to the current subject entity is missing. | Reviewer Comment (2026-05-26): Received Deed. Exception Cleared. Buyer Comment (2026-05-22): deed upld |
05/26/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225547089 | [Redacted] | [Redacted] | 36400262 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC search for business entity is missing. | Reviewer Comment (2026-05-26): Received OFAC search for business entity. Exception Cleared. Buyer Comment (2026-05-22): llc ofac upld |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225547112 | [Redacted] | [Redacted] | 36408207 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Per guidelines for foreign nationals, Loan amounts up to $[redacted] require [redacted] months PITIA for reserves however only [redacted] months have been verified. | Reviewer Comment (2026-06-08): Lender Exception with comp factor [readacted]month reserves vs [readacted] Buyer Comment (2026-06-04): Please see updated exception allowing for [readacted]months reserves. Reviewer Comment (2026-05-26): Lender exception approval requires [readacted] months reserves vs [readacted]months. However borrower remains short of the [readacted] months. Total funds available are $[readacted]which includes EMD's and checking account. Funds to close $[readacted]which includes funds to close, EMDs and prepaids. Remaining funds for reserves is $[readacted]. Required is $[readacted]. Buyer Comment (2026-05-21): Please see attached approval for reserves |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225547122 | [Redacted] | [Redacted] | 36397866 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by $[redacted]. | Reviewer Comment (2026-05-22): Received Replacement Cost Estimator. Exception Cleared. Buyer Comment (2026-05-20): Please see attached. Reviewer Comment (2026-05-19): Received document is a part of hazard insurance. A complete Replacement Cost Estimator document is required. Exception remains. Buyer Comment (2026-05-15): Please see attached. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225547124 | [Redacted] | [Redacted] | 36400093 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the entire credit report reflecting the primary borrower's 3 scores. | Reviewer Comment (2026-06-03): Received credit report with all scores. Buyer Comment (2026-06-01): Credit report |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225547125 | [Redacted] | [Redacted] | 36395235 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-21): Final title policy received covering loan value. |
05/21/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225547125 | [Redacted] | [Redacted] | 36400161 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure or other documentation verifying P&I for bridge loan on departure residence. | Reviewer Comment (2026-05-21): Closing Disclosure received confirming P&I and bridge loan amount. Buyer Comment (2026-05-19): [readacted], [readacted], [readacted] |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225547125 | [Redacted] | [Redacted] | 36400173 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-21): Final title policy received covering loan value. Buyer Comment (2026-05-20): Please see attached title report showing policy amount |
05/21/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225547127 | [Redacted] | [Redacted] | 36395546 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | Secondary valuation was not found in file. | Reviewer Comment (2026-05-28): Secondary valuation is not required as CU score is [readacted]which is less than [readacted]. Exception cleared Buyer Comment (2026-05-26): please cancel, cu score is under [readacted], ssr upld |
05/28/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225547127 | [Redacted] | [Redacted] | 36395618 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not found in file. | Reviewer Comment (2026-06-03): Received Replacement Cost Estimator. Exception cleared. Buyer Comment (2026-06-02): agent email confirming policy is [readacted]% grc, also, the coverage amount of $[readacted]is more than the loan amount of $[readacted]. Reviewer Comment (2026-05-28): As per received Hazard insurance policy coverage amount is $[readacted], there is a shortfall of $[readacted]. Please provide updated Hazard Insurance Policy or Replacement Cost Estimator. Exception remains Buyer Comment (2026-05-26): hoi upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225547925 | [Redacted] | [Redacted] | 36402195 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The mortgage statement and listing agremeent are missing for the departing property. | Reviewer Comment (2026-05-21): Received credit supplement is associated as Mortgage Statement, exception cleared. Buyer Comment (2026-05-19): Listing and credit supplement in lieu of mortgage statement |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225548015 | [Redacted] | [Redacted] | 36397890 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. | - | Require LOE for gap in employment. | Reviewer Comment (2026-05-28): Employment gap is less than [readacted]days and Gap Letter is not required. Information Re-validated. Exception Cleared. Buyer Comment (2026-05-26): please cancel, previous employment is on d0[readacted], job gap is less than [readacted]days per guides, no gap letter needed |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225548030 | [Redacted] | [Redacted] | 36397785 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provided Closing statement page [redacted] of [redacted] missing in this loan file, provide final HUD/CD with full Page. | Reviewer Comment (2026-06-01): Cleared document provided , Page [readacted] is the signature page Reviewer Comment (2026-05-26): Closing statement [readacted]page showing To/ From borrower total is missing in the file. Exception Remains. Buyer Comment (2026-05-21): Please review the document that I uploaded. It shows that there are only [readacted] pages. Please clear condition. Reviewer Comment (2026-05-18): Still missing the [readacted]page of the Closing Statement showing the loan totals. Buyer Comment (2026-05-18): Please see attached |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225548030 | [Redacted] | [Redacted] | 36397858 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after closing | Reviewer Comment (2026-06-01): Received letter form Insurance company Buyer Comment (2026-05-29): Please see attached. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225550719 | [Redacted] | [Redacted] | 36404836 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | [redacted] County Addendum to Deed of Trust Rider was not found in file. | Reviewer Comment (2026-05-13): Received [redacted] County Addendum to Deed. Exception cleared. Buyer Comment (2026-05-11): rider |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225550732 | [Redacted] | [Redacted] | 36404543 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal made subject to inspection of water marks on living room ceiling, potential plumbing/roof issues noted by appraiser. Inspection or [redacted] not provided. | Reviewer Comment (2026-06-05): [readacted]inspection received & exception cleared. Buyer Comment (2026-06-03): Please see attached inspections and proof from the appraisal department that a Completion Cert not required on this specific loan due to the repairs, inspection and roof cert. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | A | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225550736 | [Redacted] | [Redacted] | 36404672 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure signed copy is missing. | Reviewer Comment (2026-05-29): Received Final Closing Statement. Exception Cleared. Buyer Comment (2026-05-27): final alta upld |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225550737 | [Redacted] | [Redacted] | 36409577 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted] days of the note date. | Reviewer Comment (2026-05-27): Certificate of Good Standing, cleared Buyer Comment (2026-05-27): COGS |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225550738 | [Redacted] | [Redacted] | 36404346 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-05-13): HUD/CD, cleared Buyer Comment (2026-05-13): Please see attached. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225550744 | [Redacted] | [Redacted] | 36406357 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution was not dated. | Reviewer Comment (2026-05-28): Corporate Resolution, cleared Buyer Comment (2026-05-28): Please see attached. |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225550752 | [Redacted] | [Redacted] | 36404986 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | HOA Questionnaire Document was not found in the loan file. | Reviewer Comment (2026-05-29): Condo project is less than [readacted]units, cleared Buyer Comment (2026-05-28): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225550752 | [Redacted] | [Redacted] | 36406752 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing copy of Corporate Resolution. | Reviewer Comment (2026-05-29): Corporate Resolution, cleared Buyer Comment (2026-05-28): Please see attached. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225550757 | [Redacted] | [Redacted] | 36404549 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Reviewer Comment (2026-05-21): Birth Date not required for this managing member, cleared Buyer Comment (2026-05-20): [readacted]is not a borrower to the transaction, and this information is not required. |
05/21/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225550788 | [Redacted] | [Redacted] | 36404150 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing valid COC or sufficient lender credit. | Reviewer Comment (2026-06-08): [readacted]received rebuttal and valid COC document Buyer Comment (2026-06-04): the [readacted]esigned cd is on d0[readacted] confirming bwr acknowledged the change, title prelim cd with a screen shot of date stamp when we received (not disclosed to bwr) along with the [readacted]lock upld Buyer Comment (2026-06-04): the [readacted]esigned cd on d0[readacted] confirms bwr acknowledged loan changing to trust with lock, [readacted]lock and updated prelim title cd rcv'd [readacted](not disclosed to bwr ) along with a screen shot of the date stamp when we received it upld Reviewer Comment (2026-06-03): [readacted]received LOX for rebuttal response that the borrower information changed from individual to Trust on[readacted] which required transfer taxes. However, [readacted]will also require supporting documentation of timeline for review and to provide supporting information on when lender become aware of the changes or Cure would be due to borrower. Buyer Comment (2026-06-01): rebuttal upld Reviewer Comment (2026-05-28): [readacted]received rebuttal and Changed Circumstance dated [readacted], but it does not give sufficient information on why the transfer tax fee was added as received title prelim CD is not valid reason for addition of fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-27): please clear, title prelim cd (not disclosed to the bwr) and proof when our system time stamped receipt upld, we received the updated cd on [readacted] and disclosed to the borrower on [readacted], the valid coc is on d0[readacted] and does not have to provide details |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550838 | [Redacted] | [Redacted] | 36408652 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Per final 1003, the borrower is a permanent resident alien; however, the borrower's permanent resident card was not provided. | Reviewer Comment (2026-06-08): Resident alien card provided and associated. Exception Cleared Buyer Comment (2026-06-05): perm res card upld |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225550843 | [Redacted] | [Redacted] | 36405744 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide verification of the policy with sufficient coverage or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-05-21): Received [readacted]% replacement cost coverage verified, exception cleared. Buyer Comment (2026-05-19): Confirmation of [readacted]% replacement cost coverage |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550864 | [Redacted] | [Redacted] | 36404572 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225550871 | [Redacted] | [Redacted] | 36404430 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-08): Final title policy received with coverage amount and associated, exception cleared |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225550871 | [Redacted] | [Redacted] | 36404431 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Policy is not covering the loan amount $[redacted]. Provide the revised policy. | Reviewer Comment (2026-06-08): Final title policy received with coverage amount and associated, exception cleared Buyer Comment (2026-06-05): final title policy upld Reviewer Comment (2026-05-27): The Title commitment with $[readacted]is dated [readacted] but the Title commitment with only $[readacted]is dated [readacted]. The most recent title commitment will be considered Buyer Comment (2026-05-27): please cancel, the updated commit was provided on d0[readacted] |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550871 | [Redacted] | [Redacted] | 36404435 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[redacted] exceeds the tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550873 | [Redacted] | [Redacted] | 36403714 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance in DTI due to no evidence in file of payoff of [redacted]credit debt. | Reviewer Comment (2026-05-26): Liability paid off prior to closing. Exception cleared. Buyer Comment (2026-05-22): Please see credit report (D0[readacted]) item [readacted]of the credit report is for [readacted]/[readacted]which shows a $[readacted]balance. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550873 | [Redacted] | [Redacted] | 36403718 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement or equivalent, taxes and insurance were not provided. | Reviewer Comment (2026-05-26): Insurance Verification, Statement, Tax Verification associated. Exception cleared. Buyer Comment (2026-05-22): Prior to the new HELOC the property was free and clear supported by HOI and property report. HOI found in D0[readacted], property history report D0[readacted] verifies taxes. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550873 | [Redacted] | [Redacted] | 36403741 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Variance in DTI due to no evidence in file of payoff of [redacted] credit debt. | Reviewer Comment (2026-05-26): Liability paid off prior to closing. Exception cleared. Buyer Comment (2026-05-22): Please see credit report (D0[readacted]) item [readacted]of the credit report is for [readacted]/[readacted]which shows a $[readacted]balance. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550873 | [Redacted] | [Redacted] | 36403744 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At Closing |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225550873 | [Redacted] | [Redacted] | 36403745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to DTI exceeding maximum allowable. | Reviewer Comment (2026-05-26): Liability paid off prior to closing. Exception cleared. Buyer Comment (2026-05-22): Please see credit report (D0[readacted]) item [readacted]of the credit report is for [readacted]/[readacted]which shows a $[readacted]balance. |
05/26/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550873 | [Redacted] | [Redacted] | 36403747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | The initial Loan Estimate issued [redacted] was electronically signed on [redacted]. E-Sign consent agreement was signed on [redacted] | Reviewer Comment (2026-05-26): [readacted]Received earliest E-Consent dated[readacted]. Buyer Comment (2026-05-22): Please see attached proof that eConsent was given on [readacted] |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550873 | [Redacted] | [Redacted] | 36403772 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted]or more guideline components which could impact the borrower's ability to repay. | Variance in DTI due to no evidence in file of payoff of [redacted]credit debt. | Reviewer Comment (2026-05-26): Liability paid off prior to closing. Exception cleared. Buyer Comment (2026-05-22): Please see credit report (D0[readacted]) item [readacted]of the credit report is for [redacted] which shows a $[readacted]balance. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550873 | [Redacted] | [Redacted] | 36411859 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Variance in DTI due to no evidence in file of payoff of [redacted]credit debt. | Reviewer Comment (2026-05-26): Liability paid off prior to closing. Exception cleared. Buyer Comment (2026-05-22): Please see credit report (D0[readacted]) item [readacted] of the credit report is for [readacted]/[readacted]which shows a $[readacted]balance. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225552042 | [Redacted] | [Redacted] | 36574617 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to lender used $[redacted] to qualify. | Reviewer Comment (2026-06-08): Corrected [readacted]received & associated. Exception cleared. Buyer Comment (2026-06-04): DTI corrected. Requested bid tape correction |
06/08/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225552042 | [Redacted] | [Redacted] | 36578603 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-08): Corrected [readacted]received & associated. Exception cleared. |
06/08/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225552042 | [Redacted] | [Redacted] | 36578645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall duel to DTI discrepancy. Lender used $[redacted] to qualify. | Reviewer Comment (2026-06-08): Corrected [readacted]received & associated. Exception cleared. |
06/08/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225552074 | [Redacted] | [Redacted] | 36405726 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in the file. | Reviewer Comment (2026-05-27): Verification of E-Consent date provided Buyer Comment (2026-05-27): proof econsent accepted and tracking for initial disclosures reflecting bwr received, accepted and viewed dislosures on [readacted]. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225552213 | [Redacted] | [Redacted] | 36411284 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [redacted], note date is [redacted]. | Reviewer Comment (2026-05-26): Hazard Insurance Effective date and Disbursement date both are same. It can satisfy the condition. Exception Cleared. Buyer Comment (2026-05-22): Disbursement date is fine , hazard is fine as is |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225552213 | [Redacted] | [Redacted] | 36411297 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Spousal consent form is missing. | Reviewer Comment (2026-05-26): Spousal consent form not required in the file. Exception Cleared. Buyer Comment (2026-05-22): not required on a non-homestead investment property |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225552213 | [Redacted] | [Redacted] | 36411307 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal consent form is missing. | Reviewer Comment (2026-06-02): Per lender rebuttal. Not required. Reviewer Comment (2026-05-26): Borrower is married and resides in community property states. Spousal consent form is required. Exception Remains. Buyer Comment (2026-05-22): not required on a non-homestead investment property |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225552213 | [Redacted] | [Redacted] | 36411311 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal completed as "subject to" completion, [redacted] not provided in file. | Reviewer Comment (2026-06-02): Received [readacted]- Certificate of Completion. Exception Cleared. Buyer Comment (2026-06-01): [readacted]d |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225553896 | [Redacted] | [Redacted] | 36411153 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225553898 | [Redacted] | [Redacted] | 36488078 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-06-06): Cleaered. Updated rent for apt #[readacted] per [readacted]lease. Buyer Comment (2026-06-04): Please see the attached for the DSCR Rebuttal. Thank you! |
06/06/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225553903 | [Redacted] | [Redacted] | 36411485 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a [redacted] time home buyer and ineligible per guidelines. | - | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Client elects to waive with compensating factors. Reviewer Comment (2026-06-05): Lender exception provided for first time home buyer and no landlord history. Buyer Comment (2026-06-03): exception aprvl upld |
06/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225553903 | [Redacted] | [Redacted] | 36666812 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for borrower acting as own agent and seller is paying a $[redacted]commission. Broker lette in file is allowing borrower to use $[redacted] of commission for closing and down payment. This is [redacted]% of the sales price and exceeds the usual and customary amounts. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Client elects to waive with compensating factors. |
06/05/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225553931 | [Redacted] | [Redacted] | 36410924 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-05-26): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared Buyer Comment (2026-05-21): N/A [readacted] is not a borrower on this transaction. Please cancel / or remove condition |
05/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225553931 | [Redacted] | [Redacted] | 36415712 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount reflected on provided corporate resolution mismatches with subject loan amount. | Reviewer Comment (2026-05-26): Received Corporate Resolution in the file. Exception Cleared. Buyer Comment (2026-05-21): Corporate Resolution in file is for $[readacted](D0[readacted]) which is higher than the actual loan amount. Per deal notes this is acceptable and does not require a correction. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225553976 | [Redacted] | [Redacted] | 36409918 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-27): Verification of E-Consent date provided Buyer Comment (2026-05-27): proof econsent accepted [readacted], initial disclosures were esigned on [readacted] |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225553976 | [Redacted] | [Redacted] | 36410127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. | Reviewer Comment (2026-06-04): [readacted]received disclosure Tracking for CD dated [readacted] received to consumer [readacted]business days prior to the consummation. Buyer Comment (2026-06-03): tracking upld Reviewer Comment (2026-05-28): [readacted]received [readacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [readacted]. Consummation date is [readacted]. [readacted] is day [readacted], [readacted] is day [readacted]. Please provide documentation if the CD was received [readacted] (day [readacted]) or earlier for review. Buyer Comment (2026-05-27): please cancel, the fee was added [readacted]to extend the lock, the valid coc is on d0[readacted] and the lock is on [redacted] [readacted] |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225554076 | [Redacted] | [Redacted] | 36411237 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Lease Agreement in file dated [redacted]. | Reviewer Comment (2026-05-20): Bid tape value updated as per DSCR calculated in the file. Exception Cleared. Buyer Comment (2026-05-19): Hello, we will get the BID TAPE updated this [readacted]. Thank you. Reviewer Comment (2026-05-14): Received updated [readacted]and UW worksheet. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DSCR is [readacted]however due diligence is [readacted]. An updated Bid tape for the DSCR is required. Buyer Comment (2026-05-12): DSCR Calc & [readacted]rev Buyer Comment (2026-05-12): Please see updated DSCR calculation matching [readacted]& updated [readacted]. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225554194 | [Redacted] | [Redacted] | 36417902 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The title commitment reflects a [redacted](Sched [redacted] # Section II #[redacted]). Evidence that the suit has cleared from title is not provided. | Reviewer Comment (2026-05-27): Per available judgment document, case was cancelled on [readacted]. Exception cleared. Buyer Comment (2026-05-26): Please see D0[readacted] which continues on in D0[readacted] then to D0[readacted]. The [readacted]nd page of D0[readacted] shows on [readacted]the event was cancelled (Best if you unstack your documents they will go in order.) |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225554199 | [Redacted] | [Redacted] | 36411723 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Rental amount is updated as per the document. | Reviewer Comment (2026-06-02): Updated information and input. Condition cleared. Reviewer Comment (2026-06-02): EXCEPTION HISTORY - Exception Explanation was updated on [readacted] PRIOR Exception Explanation: Diligence DSCR: [readacted]; Bid Tape DSCR: [readacted]. Reviewer Comment (2026-05-20): Provide updated lease agreement to verify actual rent. Exception remains. Buyer Comment (2026-05-19): Hello, please see the attached DSCR worksheet, total current rents per appraisal have been updated as the rental agreements in file are outdated to match the current rent on the operating income schedule on the appraisal. Total monthly rental income of $[readacted] vs potential rent schedule of $[readacted]. [redacted] used the lower amount of $[readacted]with a DSCR of [readacted]. Thank you. Reviewer Comment (2026-05-14): Provide DSCR worksheet with updated rent and DSCR calculation. Exception remains Buyer Comment (2026-05-12): Hello, please see the attached DSCR Data Discrep Rebuttal. Thank you. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225554201 | [Redacted] | [Redacted] | 36410260 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Verified and associated E-Sign Consent Agreement | Reviewer Comment (2026-05-27): Verification of E-Consent date provided Buyer Comment (2026-05-27): proof econsent accepted upld |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225554207 | [Redacted] | [Redacted] | 36411358 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-20): Received e-consent. Condition cleared. Buyer Comment (2026-05-18): Please see attached. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225554211 | [Redacted] | [Redacted] | 36410881 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. | Reviewer Comment (2026-05-15): [readacted]received corrected PCCD and LOE Buyer Comment (2026-05-14): Please see attached. No check needed as moved line item to correct section. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225554275 | [Redacted] | [Redacted] | 36411769 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-21): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-20): Please see final CD D0[readacted] that already shows a lender credit for a total of $[readacted]which includes $[readacted]for this v[Redacted]tion + $[readacted]for under-disclosed credit report. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225554275 | [Redacted] | [Redacted] | 36411770 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance was exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-21): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-20): Please see final CD D0[readacted] that already shows a lender credit for a total of $[readacted]which includes $[readacted] + $[readacted]for under-disclosed credit report. |
05/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225554275 | [Redacted] | [Redacted] | 36549576 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225554275 | [Redacted] | [Redacted] | 36549577 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225554379 | [Redacted] | [Redacted] | 36412336 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | [redacted] is missing. | Reviewer Comment (2026-05-26): Received updated appraisal [readacted]D/[readacted]. Exception cleared. Buyer Comment (2026-05-22): Please see attached [readacted] |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| 225554382 | [Redacted] | [Redacted] | 36412243 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-26): Received Final Title Policy. Exception cleared. |
05/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225554382 | [Redacted] | [Redacted] | 36412244 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-26): Received Final Title Policy. Exception cleared. Buyer Comment (2026-05-22): Please see attached. |
05/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225554382 | [Redacted] | [Redacted] | 36412250 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225554382 | [Redacted] | [Redacted] | 36412251 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225554384 | [Redacted] | [Redacted] | 36411999 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing Electronic Consent Disclosure | Reviewer Comment (2026-06-03): E-sign consent received. Exception cleared Buyer Comment (2026-06-01): eConsent |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225554663 | [Redacted] | [Redacted] | 36412556 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Provided hazard insurance policy document was dated after closing. Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted]. | Reviewer Comment (2026-05-15): As per the provided hazard insurance policy, coverage was effective at the time of closing. Exception cleared. Buyer Comment (2026-05-13): This is a refinance so this is not a new policy. Please see attached document that shows the policy is effictive at the time of closing. Please clear condition. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225554717 | [Redacted] | [Redacted] | 36412982 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-06-02): [readacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-01): Please see attached PCCD, Cover Letter, copy of cure check and proof [readacted]Delivered |
06/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225554717 | [Redacted] | [Redacted] | 36412983 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-06-02): Cured at closing or within [readacted]days of consummation prior to TPR review Buyer Comment (2026-06-01): Please see final CD that shows a lender credit for $[readacted]to resolve this issue |
06/02/2026 | 1 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225554722 | [Redacted] | [Redacted] | 36412567 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification for the property [redacted], [redacted], [redacted] is missing in file. | Reviewer Comment (2026-05-14): Received verification of HOA. Exception Cleared. Seller Comment (2026-05-14): HOA Verification Seller Comment (2026-05-12): See HOA Statement |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225554722 | [Redacted] | [Redacted] | 36412571 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available funds for closing are insufficient to cover the required Cash from Borrower. Provide bank statements for [redacted]account ending in [redacted]and [redacted] account ending in [redacted]to fulfill closing requirements. | Reviewer Comment (2026-05-13): Received bank statement for account #[redacted]and #[redacted]and Requirement for funds and reserves met. Exception cleared. Seller Comment (2026-05-11): Please see assets attached |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225554722 | [Redacted] | [Redacted] | 36412586 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Available funds for closing and reserves are insufficient to meet the required amount. Please provide bank statements for the [redacted] account ending in [redacted]and the [redacted] to fulfill closing requirements. | Reviewer Comment (2026-05-13): Received bank statement for account #[redacted]and #[redacted]and Requirement for funds and reserves met. Exception cleared. |
05/13/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225554722 | [Redacted] | [Redacted] | 36412587 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Available funds for closing and reserves are insufficient to meet the required amount. Please provide bank statements for the [redacted] account ending in [redacted] to fulfill closing requirements. | Reviewer Comment (2026-05-13): Received bank statement for account #[redacted]and #[redacted]and Requirement for funds and reserves met. Exception cleared. Seller Comment (2026-05-11): Please see assets attached |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225554722 | [Redacted] | [Redacted] | 36417697 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available funds for closing are insufficient to cover the required Cash from Borrower. Provide bank statements for [redacted] account ending in [redacted] to fulfill reserve requirements. | Reviewer Comment (2026-05-13): Received bank statement for account #[redacted]and #[redacted]and Requirement for funds and reserves met. Exception cleared. Seller Comment (2026-05-11): Please see assets attached |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225554762 | [Redacted] | [Redacted] | 36418694 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-03): Received Esign Process Summary. Exception cleared. Buyer Comment (2026-06-02): econsent |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225557684 | [Redacted] | [Redacted] | 36415763 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Lender approved exception for Non-warrantable - Condotel with non- incidental income and occupancy restrictions. Unable to waive and downgrade due to missing lender exception form and email approval with comp factors. | Reviewer Comment (2026-06-03): Received Project Approval. Exception Cleared. Buyer Comment (2026-06-01): Condo approval |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225558021 | [Redacted] | [Redacted] | 36434571 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Fixed Prepayment Rider was missing in the file. | Reviewer Comment (2026-05-29): Prepayment Rider, cleared Buyer Comment (2026-05-29): rider upld |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225558068 | [Redacted] | [Redacted] | 36417960 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy covering loan amount was not found in file. | Reviewer Comment (2026-06-05): Title commitment with sufficient coverage, cleared Buyer Comment (2026-06-05): revised marked up commit upld Reviewer Comment (2026-05-29): Amount of insurance on the title needs to equal the loan amount Buyer Comment (2026-05-29): marked up commit upld |
06/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225558072 | [Redacted] | [Redacted] | 36417106 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter was not found in file. | Reviewer Comment (2026-05-15): In [redacted]state Closing Protection Letter not required. Exception Cleared. Buyer Comment (2026-05-14): There are no CPL's in [redacted]. Please clear condition. |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225558668 | [Redacted] | [Redacted] | 36414470 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225558671 | [Redacted] | [Redacted] | 36418527 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation address does not match Note address. | Reviewer Comment (2026-06-03): Received Appraisal. Exception Cleared. Buyer Comment (2026-06-02): appraisal corrected |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225558807 | [Redacted] | [Redacted] | 36429795 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Please provide recorded deed of transfer/agreement between [redacted] to [redacted]. | Reviewer Comment (2026-06-04): Recorded deed of transfer/agreement between[redacted] to[redacted], cleared Buyer Comment (2026-06-04): qcd upld |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225558830 | [Redacted] | [Redacted] | 36415717 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower. | Reviewer Comment (2026-06-05): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-04): pccd docs upld |
06/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225558874 | [Redacted] | [Redacted] | 36415049 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of good standing not provided. | Reviewer Comment (2026-06-02): Certificate of Good Standing already in the file, exception cleared Buyer Comment (2026-06-01): [redacted]is the Good Standing. The certificate confirms that the business is active and dues are paid. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225558874 | [Redacted] | [Redacted] | 36415050 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided. | Reviewer Comment (2026-06-02): Corporate Resolution received, exception cleared Buyer Comment (2026-06-01): resolution |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225558874 | [Redacted] | [Redacted] | 36432213 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-05): Received updated HOA, 1003 and 1008 documents were provided, exception cleared. Buyer Comment (2026-06-04): Hazard = $[redacted]/mo. Taxes = $[redacted]/mo. Flood = $[redacted]/mo. HOA =$[redacted] I've corrected the 1008 and 1003 to match. Total amount for [redacted][Redacted] is $[redacted] Reviewer Comment (2026-06-02): Provide the breakdown of the $[redacted]included for taxes, insurance, and HOA dues in the Final [readacted]. Exception remains. Buyer Comment (2026-06-01): insurance Buyer Comment (2026-06-01): [redacted]is the tax bill for [redacted][redacted] . I went on the county site and confirmed it. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225558874 | [Redacted] | [Redacted] | 36439105 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing tax and HOA verification documentation for REO [redacted] | Reviewer Comment (2026-06-05): Received updated HOA, 1003 and 1008 documents were provided, exception cleared. Buyer Comment (2026-06-04): income docs corrected Reviewer Comment (2026-06-02): Provide the breakdown of the $[redacted]included for taxes, insurance, and HOA dues in the Final [readacted]. Exception remains. Buyer Comment (2026-06-01): See documents submitted on other condition |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225559637 | [Redacted] | [Redacted] | 36419134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal report is missing in file. | Reviewer Comment (2026-06-02): Received Appraisal Report. Exception Cleared. Buyer Comment (2026-05-29): please cancel (do not mark as waived), the ucdp showing cu is under [redacted]is on [redacted] |
06/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225559637 | [Redacted] | [Redacted] | 36419140 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The certificate of completion was provided, but the original appraisal is missing. Appraisal is missing in file. | Reviewer Comment (2026-06-02): Received Appraisal. Exception Cleared. Buyer Comment (2026-05-29): aprsl upld |
06/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225559876 | [Redacted] | [Redacted] | 36420146 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-20): associated [redacted] Seller Comment (2026-05-19): Final CD confirming the borrower put down $[redacted]and came into closing with $[redacted]§ [redacted] bank statement confirming the borrower had assets of $[redacted]as of [redacted] § [redacted] bank transaction history confirming the EMD wire out of $[redacted]on [redacted] and the closing funds wired of $[redacted] as of [redacted], and an available balance of $[redacted] Seller Comment (2026-05-19): Final CD confirming the borrower put down $[redacted]and came into closing with $[redacted]§ [redacted] bank statement confirming the borrower had assets of $[redacted]as of [redacted] § [redacted] bank transaction history confirming the EMD wire out of $[redacted]on [redacted] and the closing funds wired of $[redacted] as of [redacted], and an available balance of $[redacted] |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225559876 | [Redacted] | [Redacted] | 36420151 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-20): Updated statements provided Seller Comment (2026-05-19): Please clarify what is needed to clear this condition. |
05/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225559876 | [Redacted] | [Redacted] | 36420154 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay | Reviewer Comment (2026-05-20): Updated statements provided Seller Comment (2026-05-19): Please provide clarification, what is needed to clear this condition? |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225559876 | [Redacted] | [Redacted] | 36422842 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | d PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-05-20): Documents provided Reviewer Comment (2026-05-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. Seller Comment (2026-05-19): bk stmt |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225559877 | [Redacted] | [Redacted] | 36436609 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing in file. | Reviewer Comment (2026-05-13): Received Security Instrument and associated, exception cleared Seller Comment (2026-05-11): HOA Verification |
05/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225559877 | [Redacted] | [Redacted] | 36436619 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification not provided for property #[redacted] | Reviewer Comment (2026-05-13): Received HOA verification for [redacted], exception cleared Seller Comment (2026-05-11): Mortgage |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225559877 | [Redacted] | [Redacted] | 36463273 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Missing assignment of Leases and Rents Rider | Reviewer Comment (2026-05-19): Received assignment of leases and rents rider. Exception cleared. Seller Comment (2026-05-15): assignment of Leases and Rents Rider in mortgage |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225559877 | [Redacted] | [Redacted] | 36463343 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Prepayment rider for security instrument | Reviewer Comment (2026-05-19): Received prepayment rider. Exception cleared. Seller Comment (2026-05-15): Prepayment rider in security instrument |
05/19/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225559891 | [Redacted] | [Redacted] | 36421050 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[redacted] | Reviewer Comment (2026-05-13): RCE showing [redacted]% replacement cost, cleared Buyer Comment (2026-05-13): Please see attached. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225559900 | [Redacted] | [Redacted] | 36420319 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Award letter for pension does not have a document date to consider. | Reviewer Comment (2026-06-08): As per guideline pension income calculated from [redacted]years Tax return. Exception cleared. Buyer Comment (2026-06-04): I understand that the document does not have a date however the document is not needed as we met the program requirement to verify this source of income with other documentation. Please clear based on [redacted] years tax returns provided as per program guidelines. Reviewer Comment (2026-06-02): The issue here is that the letter for pension doesnt have a date. Please provide Award letter for pension with a date to consider. Buyer Comment (2026-05-29): [redacted]years tax returns were provided. Award letter is not a required document per program guidelines: Retirement income and/or pension income must be verified using one of the following options: Written verification from the financial institution holding the assets/organization/company supplying the income Copy of most recent award letter, Copies of the most recent [redacted]months check stubs evidencing consistent receipt of the income, Copies of the most recent [redacted]months bank statements that verify receipt of the direct deposit, Most recent [redacted]years 1099 tax forms, or Most recent [redacted]years personal tax returns. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225559900 | [Redacted] | [Redacted] | 36420322 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Award letter for pension does not have a document date to consider. | Reviewer Comment (2026-06-08): As per guideline pension income calculated from [redacted]years Tax return. Exception cleared. Buyer Comment (2026-06-04): I understand that the document does not have a date however the document is not needed as we met the program requirement to verify this source of income with other documentation. Please clear based on [redacted]years tax returns provided as per program guidelines. Reviewer Comment (2026-06-02): this will clear once we have Pension letter with the date Buyer Comment (2026-05-29): [redacted]years tax returns were provided. Award letter is not a required document per program guidelines: Retirement income and/or pension income must be verified using one of the following options: Written verification from the financial institution holding the assets/organization/company supplying the income Copy of most recent award letter, Copies of the most recent [redacted]months check stubs evidencing consistent receipt of the income, Copies of the most recent [redacted]months bank statements that verify receipt of the direct deposit, Most recent [redacted]years 1099 tax forms, or Most recent [redacted]years personal tax returns. |
06/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225559900 | [Redacted] | [Redacted] | 36420323 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Award letter for pension does not have a document date to consider. | Reviewer Comment (2026-06-08): As per guideline pension income calculated from [redacted]years Tax return. Exception cleared. Buyer Comment (2026-06-04): I understand that the document does not have a date however the document is not needed as we met the program requirement to verify this source of income with other documentation. Please clear based on [redacted]years tax returns provided as per program guidelines. Reviewer Comment (2026-06-02): The issue here is that the letter for pension doesnt have a date. Please provide Award letter for pension with a date to consider. Buyer Comment (2026-05-29): [redacted]years tax returns were provided. Award letter is not a required document per program guidelines: Retirement income and/or pension income must be verified using one of the following options: Written verification from the financial institution holding the assets/organization/company supplying the income Copy of most recent award letter, Copies of the most recent [redacted]months check stubs evidencing consistent receipt of the income, Copies of the most recent [redacted]months bank statements that verify receipt of the direct deposit, Most recent [redacted]years 1099 tax forms, or Most recent [redacted]years personal tax returns. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225559901 | [Redacted] | [Redacted] | 36420171 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted]. $[readacted]over legal limit. Insufficient or no cure was provided to the borrower. | [readacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. $[readacted]over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-05-28): [redacted]Received Valid COC dated [redacted] along with supporting comments on the exception. Buyer Comment (2026-05-28): Appraisal was completed "Subject to" therefore an Appraisal Re-Inspection Fee was required. Appraisal was emailed to [redacted]/[redacted]and it was disclosed on the [redacted]LE of the addition of the Appraisal Re-Inspection Fee. Please see the attached Screen shot showing when appraisal sent to [redacted] |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225559901 | [Redacted] | [Redacted] | 36606323 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $ [readacted]exceeds tolerance of $ [readacted]plus [readacted]% or $ [readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At Closing |
05/28/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225559901 | [Redacted] | [Redacted] | 36606324 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $ [readacted]exceeds tolerance of $ [readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At Closing |
05/28/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225561929 | [Redacted] | [Redacted] | 36420422 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | A copy of the final title policy was not found in the file. | Reviewer Comment (2026-06-03): Final title, cleared |
06/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225561929 | [Redacted] | [Redacted] | 36420428 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $ [readacted]is less than the note amount of $ [readacted] | Reviewer Comment (2026-06-03): Final title, cleared Buyer Comment (2026-06-03): Title |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225561929 | [Redacted] | [Redacted] | 36420495 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted], [redacted], etc.) not provided | Income statement supporting $ [readacted]short-term income was not found in file. | Reviewer Comment (2026-06-08): Received short term rent analysis. Exception Cleared. Buyer Comment (2026-06-05): rental |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225561929 | [Redacted] | [Redacted] | 36439604 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed for subject transaction. | Reviewer Comment (2026-06-02): Deed for subject transaction, cleared Buyer Comment (2026-06-02): Deed |
06/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225562409 | [Redacted] | [Redacted] | 36424945 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter was not found in file. | Reviewer Comment (2026-06-02): Received Closing Protection Letter in the file. Exception Cleared. Buyer Comment (2026-05-29): cpl upld |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225562722 | [Redacted] | [Redacted] | 36420690 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review fee of $[readacted] not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure was provided. | Reviewer Comment (2026-06-05): [redacted]received corrected PCCD and LOE. Buyer Comment (2026-06-03): rebuttal Reviewer Comment (2026-06-03): [redacted]received valid COC dated [redacted] indicates that requested by the consumer. But there seems to be no supporting document in the loan file for the borrower request to change loan program. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower. Buyer Comment (2026-06-02): Please see [redacted], the loan program change is the reason the appraisal review fee was added |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225562722 | [Redacted] | [Redacted] | 36420691 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee of $[readacted] not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure was provided. | Reviewer Comment (2026-06-03): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-06-02): Cure on final CD in section J |
06/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225562722 | [Redacted] | [Redacted] | 36420692 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. Insufficient or no cure was provided to the borrower. | Service Charges fee of $[readacted] not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure was provided. | Reviewer Comment (2026-06-05): [redacted] received LOX for adding the fee. Buyer Comment (2026-06-03): PCCD |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225562722 | [Redacted] | [Redacted] | 36665231 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420747 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [readacted]due to missing VVOE. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225562825 | [Redacted] | [Redacted] | 36420748 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | [readacted]due to missing VVOE. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420750 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded. Total amount of $[readacted] exceeds tolerance of $[readacted] plus [readacted] % or $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At Closing |
05/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420751 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [readacted]due to missing VVOE. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420753 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification(s) of employment is not within [readacted] business days of the Note. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420754 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [readacted] business days of the Note. | - | Verification(s) of employment is not within [readacted] business days of the Note. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36420761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Verification(s) of employment is not within [readacted] business days of the Note. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36433028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | No third party verification for [redacted] employment in file. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562825 | [Redacted] | [Redacted] | 36433029 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | No third party verification for [redacted] employment in file. | Reviewer Comment (2026-06-02): Received VVOE within [redacted] days of Note. Exception Cleared. Buyer Comment (2026-06-01): final voe for xxxx upld to trl docs |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225562828 | [Redacted] | [Redacted] | 36433108 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception on [readacted] - exception approved to exclude [redacted] ([readacted] ) and is superior to current home, occupancy is supported. File is missing lender exception document. | Reviewer Comment (2026-05-26): Lender Exception associated. Exception cleared. Buyer Comment (2026-05-22): : Please see attached Exception |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225562837 | [Redacted] | [Redacted] | 36420617 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [readacted] or [readacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-02): Document for Title Policy Amount is provided in file. Exception cleared. Buyer Comment (2026-05-29): Please see title supplement found in [redacted] |
06/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225562837 | [Redacted] | [Redacted] | 36420651 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $[readacted] are less than cash from borrower $[readacted] . | Reviewer Comment (2026-06-02): Re-validated assets information and requirement for reserves and cash to close funds met. Exception cleared. Buyer Comment (2026-05-29): Please see Final Settlement Statement from sale of [redacted] that reflects $[redacted]sent to [redacted] (for purchase of subject). The receipt of the $[redacted]is reflected on the Buyers settlement statement also attached and on the final CD ([redacted]) Page [redacted]. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225562837 | [Redacted] | [Redacted] | 36420659 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Documented qualifying assets for closing of $[readacted] are less than cash from borrower $[readacted] . | Reviewer Comment (2026-06-02): Re-validated assets information and requirement for reserves and cash to close funds met. Exception cleared. Buyer Comment (2026-05-29): Please see Final Settlement Statement from sale of [redacted] that reflects $[redacted]sent to [redacted] (for purchase of subject). The receipt of the $[redacted]is reflected on the Buyers settlement statement also attached and on the final CD ([redacted]) Page [redacted]. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225562837 | [Redacted] | [Redacted] | 36420660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-02): Re-validated assets information and requirement for reserves and cash to close funds met. Exception cleared. Buyer Comment (2026-05-29): Please clarify what is needed for this condition unless it was a waterfall condition for items provided, then please clear. |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225562837 | [Redacted] | [Redacted] | 36420661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [readacted] or more guideline components which could impact the borrower's ability to repay. | Documented qualifying assets for closing of $[readacted] are less than cash from borrower $[readacted] . | Reviewer Comment (2026-06-02): Re-validated assets information and requirement for reserves and cash to close funds met. Exception cleared. Buyer Comment (2026-05-29): Please see Final Settlement Statement from sale of [redacted] that reflects $[redacted]sent to [redacted] (for purchase of subject). The receipt of the $[redacted]is reflected on the Buyers settlement statement also attached and on the final CD ([redacted]) Page [redacted]. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225562837 | [Redacted] | [Redacted] | 36637339 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded. Total amount of $[readacted] exceeds tolerance of $[readacted] plus [readacted] % or $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225563257 | [Redacted] | [Redacted] | 36420931 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed on initial Loan Estimate as $[readacted] but disclosed on final Closing Disclosure $[readacted] due to points change as per valid COC Doc ID:[redacted]. | Reviewer Comment (2026-05-29): [redacted]received rebuttal and valid COC document Buyer Comment (2026-05-28): Please see lock from [redacted]. We reduced the rate to [redacted]% and points increase to [redacted]%. The updated lock of [redacted] matches the date we disclosed the ICD. No ccure needed |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225563637 | [Redacted] | [Redacted] | 36435650 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-04): Received E-sign Consent agreement is verified and associated, exception cleared. Buyer Comment (2026-06-02): econsent |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225563637 | [Redacted] | [Redacted] | 36435692 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225563637 | [Redacted] | [Redacted] | 36439149 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] Rate Lock is missing in file. | Reviewer Comment (2026-06-04): Received Rate Lock is associated, exception cleared. Buyer Comment (2026-06-02): Lock |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225563649 | [Redacted] | [Redacted] | 36433344 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-05-19): Corporate Resolution received in file. Exception Cleared. Buyer Comment (2026-05-15): Please see attached. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225564636 | [Redacted] | [Redacted] | 36433301 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Missing executed copy of deed transferring property from [readacted] to borrower. | Reviewer Comment (2026-06-04): Document provided Buyer Comment (2026-06-02): Deed |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225564636 | [Redacted] | [Redacted] | 36433305 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded. Total amount of $[readacted] exceeds tolerance of $[readacted] plus [readacted] % or $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At Closing |
05/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225564636 | [Redacted] | [Redacted] | 36433306 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to permit [readacted] credit score. Min requirement is [readacted] . Borrower has owned property for [readacted] years | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. |
Borrower has been employed in the same industry for more than [redacted] years. Occupancy: [redacted] Borrower has worked in the same position for more than [redacted] years. |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-06-04): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-02): exception |
06/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225564832 | [Redacted] | [Redacted] | 36429691 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Lender guidelines require at least [readacted] months of rent loss coverage. There is no evidence of business income coverage. | Reviewer Comment (2026-06-03): Rent loss insurance is not required. Exception Cleared. Buyer Comment (2026-06-02): rent loss not required |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225564833 | [Redacted] | [Redacted] | 36431552 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Provide most recent OFAC findings for [readacted] , [readacted] , [readacted] | Reviewer Comment (2026-06-02): Received OFAC. Exception Cleared. Buyer Comment (2026-06-01): all ofac's upld |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225564833 | [Redacted] | [Redacted] | 36431704 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [readacted] . | Reviewer Comment (2026-06-05): Received updated DSCR worksheet and calculated short term rent analysis. Exception cleared. Buyer Comment (2026-06-04): DSCR - [redacted]; [redacted]month income analysis Buyer Comment (2026-06-04): [redacted]respectfully disagrees with [redacted] score of [redacted]. [redacted] is not using [redacted]% of market rent and subject property is a short-term rental. Please see calculator with finalized loan amount as well as[redacted]month record of rents ([redacted]). [redacted]= $[redacted] [redacted] Reviewer Comment (2026-06-02): The UW worksheet does not match the loan amount and note rate. Exception remains. Buyer Comment (2026-06-01): see uw worksheet on [redacted], the dscr is [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 225564833 | [Redacted] | [Redacted] | 36435442 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Please provide fully executed guaranty agreement signed and dated by guarantor/s. | Reviewer Comment (2026-06-03): Note is Signed as Individual. Guarantor Agreement is not required in the file. Exception Cleared. Buyer Comment (2026-06-01): please cancel, loan closed in [redacted] , business purpose cert was provided on [redacted] |
06/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225564837 | [Redacted] | [Redacted] | 36435488 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC for managing member of the business entity borrower is missing. | Reviewer Comment (2026-05-27): Received Fraud Report with OFAC. Exception Cleared. Buyer Comment (2026-05-22): Please see attached Fraud Report that includes the other managing member of the business entity and the business entity. Red flags on the borrower are already cleared on the Fraud Report in the file. OFAC Clear |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225564848 | [Redacted] | [Redacted] | 36426554 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [readacted] Family not provided | Provided Rider [readacted] Family was not signed. Please provide the signed document of Rider [readacted] Family. | Reviewer Comment (2026-05-27): Received 1-4 Family rider. Exception Cleared. Buyer Comment (2026-05-26): [redacted] [redacted] Received Copy of executed Rider from Title. Uploaded document to investor for review |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225565471 | [Redacted] | [Redacted] | 36435908 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing lien mortgage statement for property of [readacted] [readacted]. | Reviewer Comment (2026-06-05): Received mortgage statement, Exception Cleared Buyer Comment (2026-06-04): Non-subj prop mortgage statement uploaded Buyer Comment (2026-06-04): Please see attached. Thank you! |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225565471 | [Redacted] | [Redacted] | 36437529 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation mismatch due to no document of bridge loan available within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. Buyer Comment (2026-06-04): note $ cd from bridge loan upd |
06/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225565471 | [Redacted] | [Redacted] | 36437530 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable [readacted] records. | Provide bank statement reflecting Bridge loan amount disbursed within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. Buyer Comment (2026-06-04): note $ cd from bridge loan upd to trl docs |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225565471 | [Redacted] | [Redacted] | 36437531 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to no document of bridge loan available within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225565471 | [Redacted] | [Redacted] | 36465270 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Provide bank statement reflecting Bridge loan amount disbursed within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. Buyer Comment (2026-06-04): note $ cd from bridge loan upd to trl docs |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225565471 | [Redacted] | [Redacted] | 36465288 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [readacted] or more guideline components which could impact the borrower's ability to repay. | Provide bank statement reflecting Bridge loan amount disbursed within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. Buyer Comment (2026-06-04): note $ cd from bridge loan upd to trl docs |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225565471 | [Redacted] | [Redacted] | 36465289 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Provide bank statement reflecting Bridge loan amount disbursed within note date. | Reviewer Comment (2026-06-08): Received Note and CD for bridge loan. Exception Cleared. Buyer Comment (2026-06-04): note $ cd from bridge loan upd to trl docs |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225565473 | [Redacted] | [Redacted] | 36433551 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. | Reviewer Comment (2026-05-27): Title page with sufficient coverage, cleared Buyer Comment (2026-05-27): Please see attached updated title report |
05/27/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225565500 | [Redacted] | [Redacted] | 36436054 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | [readacted] % tolerance was exceeded by $[readacted] due to Credit Report Fee. A specific credit of $[readacted] has been provided as cure at closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225566234 | [Redacted] | [Redacted] | 36436114 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[readacted] is less than the note amount of $[readacted] . | Reviewer Comment (2026-06-04): Updated Title Commitment received and verified. Exception cleared Buyer Comment (2026-06-02): Updated |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225566234 | [Redacted] | [Redacted] | 36442209 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condotel short on reserves is approved. Per disposition, [readacted] condo LLPA will apply, subject to meeting all other [Redacted] guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-13): Client elects to waive with compensating factors. |
05/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225566234 | [Redacted] | [Redacted] | 36442230 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condotel with insufficient named storm reserves is approved. Per disposition, [readacted] condo LLPA will apply, subject to meeting all other [Redacted] guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-13): Client elects to waive with compensating factors. |
05/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225566234 | [Redacted] | [Redacted] | 36466921 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception request for non-warrantable condotel [readacted] % LTV when guideline cap is [readacted] % is approved. Per disposition, [readacted] condo [readacted] will apply, subject to meeting all other [Redacted] guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-13): Client elects to waive with compensating factors. |
05/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||
| 225567860 | [Redacted] | [Redacted] | 36436072 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Credit Report fee amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225568303 | [Redacted] | [Redacted] | 36438036 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount reflected on provided corporate resolution mismatches with subject loan amount. | Reviewer Comment (2026-06-04): No new document received. Available corporate resolution has loan amount of $[redacted]which is higher than Note loan amount of $[redacted]. Exception cleared. Buyer Comment (2026-06-02): The final loan amount is less that the amount on the resolution which is acceptable as it shows an approval of up to $[redacted] . Please clear or clarify |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225568634 | [Redacted] | [Redacted] | 36435609 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [readacted] . | DSCR: $[readacted] / $[readacted] = [readacted] . DSCR calculated in conformance with provided DSCR worksheet and other source document. Bid tape DSCR value varies significantly. | Reviewer Comment (2026-06-08): Validated loan Reviewer Comment (2026-06-08): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-06-04): exception aprvls upld (aprvl for previous cancelled loan included) |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225569070 | [Redacted] | [Redacted] | 36451483 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [readacted] or [readacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-03): Received Title Preliminary report is verified, exception cleared. Buyer Comment (2026-06-01): supplement upld |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | B | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225569070 | [Redacted] | [Redacted] | 36451489 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [readacted] | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-06-03): Received UCDP Submission Summary report is verified and associated, exception cleared. Buyer Comment (2026-06-01): ucdp upld, please clear, the cu score is under [redacted] |
06/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | B | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225569082 | [Redacted] | [Redacted] | 36470208 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225569096 | [Redacted] | [Redacted] | 36449373 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [readacted] | Reviewer Comment (2026-06-05): CDA, received Buyer Comment (2026-06-05): CDA |
06/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225569152 | [Redacted] | [Redacted] | 36453304 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing in the file. | Reviewer Comment (2026-06-05): Complete set of credit report received. Details verified and updated. Exception cleared. Buyer Comment (2026-06-03): Credit |
06/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569152 | [Redacted] | [Redacted] | 36453308 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225569152 | [Redacted] | [Redacted] | 36453309 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225569152 | [Redacted] | [Redacted] | 36453322 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [readacted] or more guideline components which could impact the borrower's ability to repay. | Credit report is missing in the file. | Reviewer Comment (2026-06-05): Complete set of credit report received. Details verified and updated. Exception cleared. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569152 | [Redacted] | [Redacted] | 36465257 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [readacted] due to Credit Report not found in file. | Reviewer Comment (2026-06-05): Complete set of credit report received. Details verified and updated. Exception cleared. |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225569152 | [Redacted] | [Redacted] | 36478004 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The origination credit report is missing from the file. | Reviewer Comment (2026-06-05): Complete set of credit report received. Details verified and updated. Exception cleared. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569152 | [Redacted] | [Redacted] | 36478013 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The origination credit report was not in file. | Reviewer Comment (2026-06-05): Complete set of credit report received. Details verified and updated. Exception cleared. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569218 | [Redacted] | [Redacted] | 36450771 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [readacted] or [readacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-01): We have title preliminary with policy amount mention on it. Exception Cleared. Buyer Comment (2026-05-28): Please see Prelim Report in [redacted] that shows policy amount of $[redacted] |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225569218 | [Redacted] | [Redacted] | 36450880 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[readacted] exceeds tolerance of $[readacted] plus [readacted] % or $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225569218 | [Redacted] | [Redacted] | 36465271 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225569556 | [Redacted] | [Redacted] | 36453927 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted] Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. Insufficient or no cure was provided to the borrower. | [readacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted] . $[readacted] over legal limit. File did not contain a valid change of circumstance for the added fee or evidence of a tolerance cure. | Reviewer Comment (2026-06-04): [redacted]received LOX. Buyer Comment (2026-06-03): title email, they required survey to issue final policy |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225572153 | [Redacted] | [Redacted] | 36456393 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [readacted] business days of the Note. | - | Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find [redacted]VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456394 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [readacted]business days of the Note. | - | Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted], however, you can find [redacted]VVOE from employer in the Lender Correspondence folders. It came via email from the employer. Looks like [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456395 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted], however, you can find [redacted]VVOE from employer in the Lender Correspondence folders. It came via email from the employer. Looks like [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456396 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted], however, you can find [redacted]VVOE from employer in the Lender Correspondence folders. It came via email from the employer. Looks like [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456407 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted]days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225572153 | [Redacted] | [Redacted] | 36456408 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Commission | Ability to Repay (Dodd-Frank 2014): Unable to verify current Commission employment status using reasonably reliable [readacted]records. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456409 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456411 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. |
06/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36456471 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572153 | [Redacted] | [Redacted] | 36467479 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225572153 | [Redacted] | [Redacted] | 36467490 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Verification of employment within [readacted]days of note date for both borrowers not provided in file. | Reviewer Comment (2026-06-05): As per available VVOE document (confirmation provided over mail) of both borrower's verified both borrower's working with current company and within the [redacted] days from the closing date. Exception Cleared. Buyer Comment (2026-06-03): The emails are all out of order in [redacted] however, you can find the VVOE from employer in the Lender Correspondence folders. It came in via email from the employer. Looks like [redacted]is in [redacted]and [redacted]is in [redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225572443 | [Redacted] | [Redacted] | 36455257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. $[readacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[readacted]) is insufficient to address all tolerance v[Redacted]tions. The loan was locked on [readacted], however, a corresponding Changed Circumstance document is not provided. | Reviewer Comment (2026-05-20): [redacted] Received Valid COC dated [redacted] showing rate lock. Buyer Comment (2026-05-19): Please see attached Changed Circumstances. Interest rates had increased and at the time the borrower locked his rate, points were charged for the rate the borrower chose. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225572443 | [Redacted] | [Redacted] | 36455258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. $[readacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[readacted]on the initial Loan Estimate but was disclosed as $[readacted]on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[readacted]) is sufficient to address the v[Redacted]tion but is insufficient to address all tolerance v[Redacted]tions. | Reviewer Comment (2026-05-20): Sufficient cure provided. Full cure amount for tolerance v[Redacted]tion was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-19): Please see final CD where there is already a lender credit for $[redacted]to cure this v[Redacted]tion. (difference is due to rounding). See attached screen print (below COC showing Lender Credit was for Cure for Credit Report. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225572443 | [Redacted] | [Redacted] | 36542345 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225572582 | [Redacted] | [Redacted] | 36450772 | Credit | Missing Document | General | Missing Document | Missing Document: [readacted]Rent Comparison Schedule not provided | The file is missing a copy of [readacted]Rent Comparison Schedule Document. | Reviewer Comment (2026-06-03): Received Comparable rent cchedule. Exception Cleared. Buyer Comment (2026-06-01): Please see attached Comparable Rent Schedule Document. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225574204 | [Redacted] | [Redacted] | 36460101 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-05-22): Received Title Supplement. Exception Cleared. Buyer Comment (2026-05-20): Title |
05/22/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225574208 | [Redacted] | [Redacted] | 36459656 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review effective date is mismatched with the Appraisal effective date. | Reviewer Comment (2026-06-03): appraisal review was not required .CDA in file as informational only Buyer Comment (2026-06-01): An appraisal review was not required on this transaction therefore the updated appraisal did not have a CDA completed. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | B | A | C | A | N/A | No | ||||||||||||||
| 225574208 | [Redacted] | [Redacted] | 36459680 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The commitment title report in the file disclosed $[readacted]of title insurance coverage; however, this is less than the loan amount of $[readacted]. Require a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-03): Received Title Commitment. Exception Cleared. Buyer Comment (2026-06-02): Please see attached title report showing policy amount of $[redacted] |
06/03/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | B | A | C | A | N/A | No | ||||||||||||||
| 225574209 | [Redacted] | [Redacted] | 36457519 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-05-18): Flood Certificate, cleared Buyer Comment (2026-05-18): Please see attached. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225574214 | [Redacted] | [Redacted] | 36456280 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing Transcripts of the [readacted]s/W-2's provided by the IRS. | Reviewer Comment (2026-06-08): Income Details corrected. Exception cleared. Buyer Comment (2026-06-04): The 1099s are issued to an entity so no tax transcripts required |
06/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225574214 | [Redacted] | [Redacted] | 36456281 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | [readacted] exceptions firing due to missing Transcripts of the[readacted] s/W-2's provided by the IRS. | Reviewer Comment (2026-06-08): Income Details corrected. Exception cleared. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225574214 | [Redacted] | [Redacted] | 36456282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [readacted] business days of application. | Application date was [readacted] and Loan Estimate was issued [readacted] | Reviewer Comment (2026-06-08): [redacted]received initial LE. Buyer Comment (2026-06-04): Disclosure Tracking and ILE |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225574214 | [Redacted] | [Redacted] | 36456293 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [readacted] exceptions firing due to missing Transcripts of the [readacted]s/W-2's provided by the IRS. | Reviewer Comment (2026-06-08): Income Details corrected. Exception cleared. |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225575268 | [Redacted] | [Redacted] | 36459977 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Agreement is missing in file. | Reviewer Comment (2026-05-18): Rate Lock Agreement received and verified. Exception cleared Seller Comment (2026-05-14): lock confirmation |
05/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Non QM | Non QM | No | ||||||||||
| 225575268 | [Redacted] | [Redacted] | 36460001 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [redacted] criteria. Sec ID: [redacted] | AVM does not support the value used to qualify. | Reviewer Comment (2026-05-27): Received Desk Review. Exception Cleared. Seller Comment (2026-05-26): avm Reviewer Comment (2026-05-18): UCDP Score is greater than [redacted]and AVM Appraisal value mismatch with 1004 appraisal. Required AVM with supports the appraisal value. Exception remains. Seller Comment (2026-05-14): Please clarify as there is a full appraisal in the file showing the property to be valued at [redacted]- unclear as to what is needed here. |
05/27/2026 | 1 | C | A | D | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Non QM | Non QM | No | |||||||||||
| 225575268 | [Redacted] | [Redacted] | 36460007 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [redacted] criteria. Sec ID: [redacted] | AVM does not support the value used to qualify. | Reviewer Comment (2026-05-27): Received Desk Review. Exception Cleared. Seller Comment (2026-05-26): AVM Reviewer Comment (2026-05-18): UCDP Score is greater than [redacted] and AVM Appraisal value mismatch with 1004 appraisal. Required AVM with supports the appraisal value. Exception remains. Seller Comment (2026-05-14): Please clarify as there is a full appraisal in the file showing a [redacted]value - please clarify as to what is needed. |
05/27/2026 | 1 | C | A | D | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Non QM | Non QM | No | |||||||||||
| 225575766 | [Redacted] | [Redacted] | 36461906 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [readacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. $[readacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[readacted]exceeds tolerance of $[readacted]. $[readacted]over legal limit. No valid change of circumstance found in file and not evidence of a tolerance cure. | Reviewer Comment (2026-06-08): [redacted]received a valid COC. Buyer Comment (2026-06-04): RCD with COC. Loan amount changed and LTV changed based on appraisal value received [redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225575858 | [Redacted] | [Redacted] | 36460180 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance is more than [readacted]% for DTI. Difference due to higher total used for borrowers' primary housing than documented in file. | Reviewer Comment (2026-06-08): Corrected 1008 received matching DTI. Buyer Comment (2026-06-04): Updated 1008/1003 .Requested bid tape correction |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225575858 | [Redacted] | [Redacted] | 36460248 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-06-08): Received Corporate Resolution . Buyer Comment (2026-06-04): LLC docs |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225576332 | [Redacted] | [Redacted] | 36460454 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Difference due to Lender's DTI does not include the $[readacted]payment for the [readacted]st mtg on the borrower's primary residence. | Reviewer Comment (2026-06-01): Received Revised 1008 and 1003 and information re-validated accordingly. DTI discrepancy suffices. Exception Cleared. Buyer Comment (2026-05-28): Please see updated 1008/1003 as follows: Added PITI on primary residence to 1008. Corrected Tax and insurance on [redacted] property to match tax returns: Insurance [redacted]+ Tax $[redacted]= [redacted]which adjusted rental income on that property to $[redacted]. Removed duplicate taxes/Insurance on [Redacted] Steet property as they are escrowed in the payment, bringing rental income on that property to -$[redacted]which brings total rental income on existing properties to $[redacted]. Added in market rents of $[redacted]/mo (per Operating Income Statement) on subject property, which adds additional cash flow income to $[redacted] . Final DTI [redacted] %. Will request Bid tape update. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225576337 | [Redacted] | [Redacted] | 36459216 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225576340 | [Redacted] | [Redacted] | 36479696 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a signed/dated corporate resolution for the borrowing entity. | Reviewer Comment (2026-06-02): Corporate Resolution, cleared Buyer Comment (2026-06-02): unanimous consent & resolution upld |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225577990 | [Redacted] | [Redacted] | 36458584 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | [readacted] are not available. | Reviewer Comment (2026-06-04): Bylaws - cleared Buyer Comment (2026-06-03): Please see attached bylaws for [redacted] |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225577990 | [Redacted] | [Redacted] | 36458586 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-06-04): Unanimous consent, cleared Buyer Comment (2026-06-03): Corporate Resolution / Unanimous Consent was found in [redacted]. The loan amount is higher than what the loan closed at however since it's higher an amendment is not required. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225578629 | [Redacted] | [Redacted] | 36479604 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a fully signed/dated corporate resolution for the borrowing entity. | Reviewer Comment (2026-06-02): Corporate Resolution, cleared Buyer Comment (2026-06-02): unanimous consent & resolution upld |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579033 | [Redacted] | [Redacted] | 36459723 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225579033 | [Redacted] | [Redacted] | 36459724 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225579177 | [Redacted] | [Redacted] | 36459991 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing in the file | Reviewer Comment (2026-06-03): Received Corporate Resolution. Exception Cleared. Buyer Comment (2026-06-02): unanimous consent & resolution upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225579177 | [Redacted] | [Redacted] | 36473030 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [readacted]D/[readacted] was not provided. | - | Appraisal subject to completion with no form [readacted]in file. | Reviewer Comment (2026-06-03): Received Form [redacted]. Exception Cleared. Buyer Comment (2026-06-02): 1004d upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225579585 | [Redacted] | [Redacted] | 36460273 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-08): E-sign Consent Agreement received. Exception Cleared. Buyer Comment (2026-06-04): Please see attached. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225579686 | [Redacted] | [Redacted] | 36479714 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a signed/dated corporate resolution for the borrowing entity. | Reviewer Comment (2026-06-03): Received Corporate Resolution. Exception Cleared Buyer Comment (2026-06-02): unanimous consent & resolution upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579688 | [Redacted] | [Redacted] | 36479846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a signed/dated corporate resolution for the borrowing entity. | Reviewer Comment (2026-06-03): Received Corporate Resolution. Exception Cleared. Buyer Comment (2026-06-02): digmed unanimous consent & resolution upld |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579741 | [Redacted] | [Redacted] | 36472546 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [readacted]([readacted]) business days of application. Initial Loan Estimate dated[readacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance v[Redacted]tions. | Initial Loan Estimate dated [readacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures on [readacted]. | Reviewer Comment (2026-06-08): [redacted]received e-consent dated [redacted] Buyer Comment (2026-06-04): Please see disc tracking showing initial LE was sent to borrower within [redacted]bus days of the app date. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225579781 | [Redacted] | [Redacted] | 36462216 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Verification of Tax Return Fee was last disclosed as $[readacted] on Loan Estimate but disclosed as $[readacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee; no evidence of cure in file. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225579785 | [Redacted] | [Redacted] | 36461268 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | [redacted] Home Loan: Mortgage loan refinanced within [readacted]months of previous loan without a tangible net benefit to borrower. | Reviewer Comment (2026-06-03): Client elects to waive Reviewer Comment (2026-06-03): issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-01): The change between new and old monthly obligations is <[redacted]%. Please clear. Reviewer Comment (2026-05-21): There is a TNB Form in file but in looking at the form, it doesn't appear to show any TNB under [redacted] law. While one could argue the decrease in rate from [redacted]% to [redacted]% would be a benefit, per the above under (v), the state only recognizes a decrease of at least [redacted]%. Similarly, the payment reduction could be viewed as a benefit, however it does not meet [redacted] requirement of a [redacted]% reduction (taking into account costs and fees). Reviewer Comment (2026-05-21): Due to the presence of a benefit to the borrower, but not one outlined in the rebuttable presumption criteria, exception has been downgraded to an EV2-B. Buyer Comment (2026-05-19): Please see attached. |
06/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225579785 | [Redacted] | [Redacted] | 36461269 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded. Total amount of $[readacted]exceeds tolerance of $[readacted]plus [readacted]% or $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225579833 | [Redacted] | [Redacted] | 36462844 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [readacted] | Missing signed and executed Final [readacted] Application in the loan file. | Reviewer Comment (2026-06-04): Final 1003, cleared Buyer Comment (2026-06-04): Please see attached. Thank you! |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225580788 | [Redacted] | [Redacted] | 36525566 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Reviewer Comment (2026-05-29): Received corrected RTC H-9 form. Exception cleared. Buyer Comment (2026-05-27): please see attached lox and revised RTC |
05/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225580788 | [Redacted] | [Redacted] | 36607015 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. | Recission period is not expired. | Reviewer Comment (2026-06-04): Received updated RTC document. Exception cleared. Buyer Comment (2026-06-02): new [redacted] rescission date ends today, please clear on [redacted] |
06/04/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225580823 | [Redacted] | [Redacted] | 36462337 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [readacted], Most Recent Tax Return End Date [readacted], Tax Return Due Date [readacted] | Missing [readacted][readacted]. Tax return extension is provided. | Buyer Comment (2026-06-02): Please waive EV2 condition. Reviewer Comment (2026-05-26): [redacted] extension is loacted in the file. The exception is an ATR infomative EV2 (non-material) exception and is set because, although the extension may have been filed, the loan is being qualified on income that is not considered the most recent. Buyer Comment (2026-05-21): The tax extension is good until [redacted]. Extension is in file. Please clear condition. |
06/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225580823 | [Redacted] | [Redacted] | 36462339 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [readacted], Most Recent Tax Return End Date [readacted], Tax Return Due Date [readacted]. | Missing [readacted][readacted]. Tax return extension is provided. | Buyer Comment (2026-06-02): Please waive EV2 condition. Reviewer Comment (2026-05-26): [redacted] extension is loacted in the file. The exception is an ATR infomative EV2 (non-material) exception and is set because, although the extension may have been filed, the loan is being qualified on income that is not considered the most recent. Buyer Comment (2026-05-21): The tax extension is good until [redacted]. Extension is in file. Please clear condition. |
06/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225586238 | [Redacted] | [Redacted] | 36472911 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225586241 | [Redacted] | [Redacted] | 36474203 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [readacted]D/[readacted]was not provided. | - | Appraisal report dated [readacted]showed value is subject to completion, but [readacted]D was not provided. | Reviewer Comment (2026-06-01): Received a subsequent full appraisal reflecting/supporting an as is value. Condition cleared. Reviewer Comment (2026-05-22): Required 1004D for appraisal effective dated on [redacted] to clear this condition. Exception remains. Buyer Comment (2026-05-20): Please see attached. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| 225586241 | [Redacted] | [Redacted] | 36474216 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[readacted] exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | A | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 225586243 | [Redacted] | [Redacted] | 36473678 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is Missing. | Reviewer Comment (2026-06-08): Evidence of Taxpayer Consent received. Buyer Comment (2026-06-04): Tax Payer Consent can be found on the 1003 page 6 section 6 |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225586250 | [Redacted] | [Redacted] | 36474138 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee was last disclosed as $[readacted]on Loan Estimate but disclosed as $[readacted]on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225586287 | [Redacted] | [Redacted] | 36473245 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Reviewer Comment (2026-05-20): Guideline requirements met for Use of an Outside Appraisal, an appraisal transfer letter is not required. Buyer Comment (2026-05-18): Can you clarify what documentation you are looking for? The appraisal was a transfer from [redacted]and does not have [redacted] |
05/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Non QM | No | |||||||||||
| 225586300 | [Redacted] | [Redacted] | 36479062 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | [redacted] County addendum to deed of trust not provided in file. | Reviewer Comment (2026-05-22): Received [redacted] County addendum. Exception Cleared. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225586300 | [Redacted] | [Redacted] | 36502972 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing Signed and Executed Security Instrument with Notary Section in the Loan file. | Reviewer Comment (2026-05-22): Received Signed and Executed Security Instrument with Notary Section. Exception Cleared. Buyer Comment (2026-05-21): Rider Buyer Comment (2026-05-21): Deed |
05/22/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225586655 | [Redacted] | [Redacted] | 36474787 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-08): Final title with sufficient coverage, cleared |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 225586655 | [Redacted] | [Redacted] | 36474799 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[readacted]is less than the note amount of $[readacted]based on the Commitment in file. | Reviewer Comment (2026-06-08): Final title with sufficient coverage, cleared Buyer Comment (2026-06-05): final policy upld |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225587746 | [Redacted] | [Redacted] | 36547482 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the preliminary title[redacted] reports. | Reviewer Comment (2026-05-26): Received title and [redacted] resports Buyer Comment (2026-05-21): Please see attached. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225589535 | [Redacted] | [Redacted] | 36474680 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | HELOC Agreement is missing for secured borrowed funds amount $[readacted]. | Reviewer Comment (2026-06-08): Received revised 1003 loan application with 1031 exchange documents. Exception cleared. Buyer Comment (2026-06-05): HELOC agreement would not be provided because a HELOC was not used for the funds in this transaction. See 1008 that indicates funds are from a 1031 Exchange. I have attached the 1031 Exchange Docs for review. I have also corrected and attached the 1003 updating Asset type. . |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225594750 | [Redacted] | [Redacted] | 36478764 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded. Total amount of $[readacted]exceeds tolerance of $[readacted]plus [readacted]% or $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225595122 | [Redacted] | [Redacted] | 36476349 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded. Total amount of $[readacted]exceeds tolerance of $[readacted]plus [readacted]% or $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid Change of Circumstance for this fee, nor was evidence of cure found in the file. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225595555 | [Redacted] | [Redacted] | 36495268 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | [readacted]Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[readacted]exceeds the tolerance of $[readacted]with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-05-15): Sufficient Cure Provided At Closing |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225595555 | [Redacted] | [Redacted] | 36500899 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request on a condo with [readacted]warrantable features. Insufficient reserves and incomplete critical repairs. Employment history request. Applicant has owned and operated [redacted] for [readacted]year and [readacted]months, for [readacted]months of self-employed history with [redacted] Group. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-19): Lender Exception with Compensating Factors provided. |
05/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225595588 | [Redacted] | [Redacted] | 36486359 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Reviewer Comment (2026-06-04): Patriot act, cleared Buyer Comment (2026-06-04): Please see Patriot Act form executed at closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225596569 | [Redacted] | [Redacted] | 36504469 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [readacted]Exchange Agreement is missing in file. | Reviewer Comment (2026-05-26): Received Exchange Agreement. Exception Cleared Buyer Comment (2026-05-22): Please see attached. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225596569 | [Redacted] | [Redacted] | 36530982 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a corporate resolution as required by lender guides. | Reviewer Comment (2026-05-26): Received Corporate Resolution. Exception Cleared Buyer Comment (2026-05-22): Please see attached. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225599820 | [Redacted] | [Redacted] | 36495848 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Homeowner Insurance coverage is insufficient by $[readacted], there is no evidence of extended coverage or replacement cost estimator. | Reviewer Comment (2026-06-01): Details updated for Hazard insurance (Extended replacement cost). Exception cleared. Buyer Comment (2026-05-28): Please review the line item on the policy that indicates an additional [redacted]% of Coverage A in the event of a total loss. That would appear to be $[redacted]x [redacted]% = $[redacted]. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225599833 | [Redacted] | [Redacted] | 36496035 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-15): Sufficient Cure Provided At Closing |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225599833 | [Redacted] | [Redacted] | 36496036 | Compliance | Compliance | Federal Compliance | TRID | TRID [readacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [readacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[readacted]exceeds tolerance of $[readacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-15): Sufficient Cure Provided At Closing |
05/15/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225600045 | [Redacted] | [Redacted] | 36520506 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Both the [readacted] and Permanent Resident choices were marked on the final [readacted]. Provide clarification of which is correct and documentation to support. | Reviewer Comment (2026-05-26): Only "[redacted]" is selected. The mark next to "Permanent Resident Alien" is just a smudge and not an actual selection. Exception Cleared. Buyer Comment (2026-05-21): Please review the 1003 on Page [redacted]which shows that the US Citizen box is checked. Please clear condition. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225600045 | [Redacted] | [Redacted] | 36520821 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Both the[readacted] and Permanent Resident choices were marked on the final [readacted]. Provide clarification of which is correct and documentation to support. | Reviewer Comment (2026-05-26): Only "[redacted]" is selected. The mark next to "Permanent Resident Alien" is just a smudge and not an actual selection. Exception Cleared. Buyer Comment (2026-05-21): Please review the 1003 on Page [redacted]which shows that the US Citizen box is checked. Please clear condition. |
05/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225603334 | [Redacted] | [Redacted] | 36535260 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225603334 | [Redacted] | [Redacted] | 36535261 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225604479 | [Redacted] | [Redacted] | 36543501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on the initial CD due to the addition of $[redacted]"Operating Income" fee; however there was no valid change of circumstance in file for the increase and no evidence of a tolerance cure. | Reviewer Comment (2026-06-08): [redacted]received a valid COC. Buyer Comment (2026-06-05): The addition of the Operating Income Statement for $[redacted] was due needing to include rental income on the borrower's departing residence, [redacted][redacted]. This was not a service on the subject property. The order for this service was made on [redacted]and the fee was added to the [redacted] CD which was disclosed within [redacted][redacted]business days. Invoice to show date is found in [redacted]and detailed COC dated [redacted] is found in [redacted]that shows why the service was required. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225608644 | [Redacted] | [Redacted] | 36530610 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-22): Received E-sign consent agreement, Exception cleared. Buyer Comment (2026-05-21): Please see attached. |
05/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225608644 | [Redacted] | [Redacted] | 36544169 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225612468 | [Redacted] | [Redacted] | 36530725 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At Closing |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225624219 | [Redacted] | [Redacted] | 36530593 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-08): Title supplement showing sufficient coverage, cleared Buyer Comment (2026-06-08): Please see attached Title supplement showing correct policy amount. |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225624560 | [Redacted] | [Redacted] | 36532114 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Total qualifying income $[redacted], Total PITIA $[redacted], Total Debts $[redacted]. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Received updated 1008 with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-04): Please see updated 1008 |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624560 | [Redacted] | [Redacted] | 36532118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Data Discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to the credit debts (Line of Credit of $[redacted]) having been included twice. Hence, the variance in DTI has decreased the limit. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Received updated 1008 with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-04): Waterfall. Please clear. |
06/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624560 | [Redacted] | [Redacted] | 36532119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Data Discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to the credit debts (Line of Credit of $[redacted]) having been included twice. Hence, the variance in DTI has decreased the limit. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Received updated 1008 with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-04): Waterfall, pleae clear. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624560 | [Redacted] | [Redacted] | 36532121 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624560 | [Redacted] | [Redacted] | 36532122 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624587 | [Redacted] | [Redacted] | 36535908 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Loan amount: $[redacted]. Coverage amount: $[redacted]. Coverage shortfall: $[redacted]. | Reviewer Comment (2026-05-28): Replacement cost estimator received. Exception Cleared. Buyer Comment (2026-05-26): Replacement Cost |
05/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225635148 | [Redacted] | [Redacted] | 36536275 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225635148 | [Redacted] | [Redacted] | 36536276 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225635148 | [Redacted] | [Redacted] | 36536277 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225635149 | [Redacted] | [Redacted] | 36537441 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225639459 | [Redacted] | [Redacted] | 36549731 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225641559 | [Redacted] | [Redacted] | 36572946 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was not found in file. | Reviewer Comment (2026-06-01): Foreign national, pertinent received, cleared Buyer Comment (2026-05-29): This is a foreign national file. There would be no credit report. Please clear condition. |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225641559 | [Redacted] | [Redacted] | 36603545 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a corporate resolution for the subject loan transaction as required by lender guides. | Reviewer Comment (2026-06-01): Corporate Resolution, cleared Buyer Comment (2026-06-01): Please see attached. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225641596 | [Redacted] | [Redacted] | 36554757 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] days prior to closing. | Reviewer Comment (2026-05-27): The proof of appraisal delivery provided to borrower received for original appraisal. exception cleared. Buyer Comment (2026-05-26): Waterfall. Please clear. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225641596 | [Redacted] | [Redacted] | 36554758 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification initial appraisal was delivered to borrower not provided in file. | Reviewer Comment (2026-05-27): The proof of appraisal delivery provided to borrower received for original appraisal. exception cleared. Buyer Comment (2026-05-26): Please see attached. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225641596 | [Redacted] | [Redacted] | 36554761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-05-22): Cured at closing or within [redacted] days of consummation prior to TPR review |
05/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225641596 | [Redacted] | [Redacted] | 36554762 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-05-29): [redacted] Received Corrected PCCD and LOE along with supporting comment on the exception. Buyer Comment (2026-05-28): This fee is not a required fee, this is a borrower elected fee. Please clear condition. Reviewer Comment (2026-05-27): [redacted]received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the Pest Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest Inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-26): Please see attached PCCD and LOX to clear condition. |
05/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225641596 | [Redacted] | [Redacted] | 36554763 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-05-27): [redacted]received Post CD and LOX. Buyer Comment (2026-05-26): Please see attached PCCD and LOX to clear condition. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225641596 | [Redacted] | [Redacted] | 36566961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA Account Set Up Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-27): [redacted]received Post CD and LOX. Buyer Comment (2026-05-26): Please see attached PCCD and LOX to clear condition. |
05/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225641596 | [Redacted] | [Redacted] | 36607397 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225645539 | [Redacted] | [Redacted] | 36558230 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for only [redacted]months S/E is approved. Per disposition, file must meet all BS requirements for self-employed <[redacted]months. 3rd party verification required, deposit trend must be stable. Document [redacted] years prior work history in same line of work, must have [redacted]for rental payments, subject to meeting all other [Redacted] guidelines. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-22): Exception approved with comp factors. |
05/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225645539 | [Redacted] | [Redacted] | 36558249 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to permit [redacted]% LTV for borrower who is self-employed for only [redacted]months is approved. Per disposition, file must meet all BS requirements for self-employed <[redacted]months. 3rd party verification required, deposit trend must be stable. Document [redacted]years prior work history in same line of work, must have [redacted] for rental payments, subject to meeting all other [Redacted] guidelines. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-22): Exception approved with comp factors. |
05/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225645539 | [Redacted] | [Redacted] | 36558260 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least ([redacted]) business days prior to closing. | Provided loan estimate dated [redacted] was not signed by borrower until [redacted], which was not [redacted] business days prior to the closing. | Reviewer Comment (2026-06-01): [redacted]received proof of earlier electronic receipt. Buyer Comment (2026-05-29): Please see attached. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225645539 | [Redacted] | [Redacted] | 36569504 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to allow use of [redacted]% of business assets despite only [redacted]% ownership of business is approved. Per disposition, file must meet all BS requirements for self-employed <[redacted]months. 3rd party verification required, deposit trend must be stable. Document [redacted]years prior work history in same line of work, must have[redacted] for rental payments, subject to meeting all other [Redacted] guidelines. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-22): Exception approved with comp factors. |
05/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225645546 | [Redacted] | [Redacted] | 36558220 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal re-inspection fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225645994 | [Redacted] | [Redacted] | 36560427 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Total fee amount of $[redacted]exceeds [redacted]% fee tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225652387 | [Redacted] | [Redacted] | 36580002 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided | The notary date was not on the security instrument. | Reviewer Comment (2026-06-01): Received Notary document with date. Verified and Condition cleared. Buyer Comment (2026-05-28): Notary page [redacted] |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225652421 | [Redacted] | [Redacted] | 36581806 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-06-03): Received Business Purpose Certificate in the file. Exception Cleared. Buyer Comment (2026-06-02): Affidavit |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225652718 | [Redacted] | [Redacted] | 36572722 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-01): Received econsent. Buyer Comment (2026-05-28): Please see attached. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225652737 | [Redacted] | [Redacted] | 36572840 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-25): Sufficient Cure Provided At Closing |
05/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225652737 | [Redacted] | [Redacted] | 36576113 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument was signed by both borrowwer but was not dated. | Reviewer Comment (2026-06-02): Received Security instrument signed by both borrowers, Exception cleared Buyer Comment (2026-05-29): Please see attached. |
06/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225655296 | [Redacted] | [Redacted] | 36582628 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report document is missing in the file | Reviewer Comment (2026-06-06): Cleared. Received credit report. |
06/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225655296 | [Redacted] | [Redacted] | 36591319 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | No representative FICO score due to missing credit report. | Reviewer Comment (2026-06-06): Cleared. Received credit report. |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225655296 | [Redacted] | [Redacted] | 36660684 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-06-06): Cleared. Received credit report. Buyer Comment (2026-06-04): [redacted]is correct as there is only one borrower whose middle score is [redacted]; aligns with guideline. I have also attached the most recent CBR for your review. Thank you! |
06/06/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||||
| 225655301 | [Redacted] | [Redacted] | 36573021 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is reflecting pending status. | Reviewer Comment (2026-06-02): Received e-sign consent. Exception cleared. Buyer Comment (2026-05-29): Please see attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225655534 | [Redacted] | [Redacted] | 36573041 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Total rents and PITIA$[redacted]/ $[redacted]=[redacted]. DSCR worksheet matches DD DSCR. | Reviewer Comment (2026-06-05): DSCR matching with the DSCR worksheet. Exception cleared. Buyer Comment (2026-06-04): Hello, updated the I/O P&I on our DSCR Screen. Now align with [redacted] with a DSCR of [redacted]. Thank you! |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225656757 | [Redacted] | [Redacted] | 36573997 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Discount points disclosed as $[redacted]on final Closing Disclosure. No valid change in circumstance or cure provided. | Reviewer Comment (2026-06-03): [redacted]received COC and supporting rate lock document Buyer Comment (2026-06-02): Please see attached. Reviewer Comment (2026-06-01): [redacted]Received rebuttal comment stating loan locked on[redacted]; however, file is missing supporting rate lock in order to verify pricing change. Provide supporting rate lock dated [redacted]. Buyer Comment (2026-05-29): The loan amount was updated and the loan locked on [redacted]. This was a loan level adjustment and the discount points were disclosed within the timeframe needed. Please see attached lock form. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656757 | [Redacted] | [Redacted] | 36573998 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-01): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-05-29): A desk review was required because of the CU score. Please clear condition. |
06/01/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656757 | [Redacted] | [Redacted] | 36626552 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance V[Redacted]tion Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cured at close. Upon further review, Sufficient cure provided at closing. | Reviewer Comment (2026-06-01): Cured at closing or within [redacted]days of consummation prior to TPR review |
06/01/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225656757 | [Redacted] | [Redacted] | 36647810 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225656757 | [Redacted] | [Redacted] | 36647811 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225657362 | [Redacted] | [Redacted] | 36582363 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At Closing |
05/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225657362 | [Redacted] | [Redacted] | 36582364 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At Closing |
05/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225657380 | [Redacted] | [Redacted] | 36574048 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-02): Supplemental Title Report received, exception cleared Buyer Comment (2026-06-01): Please see attached. |
06/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225657380 | [Redacted] | [Redacted] | 36574055 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement not provided for the 2nd mortgage on the property located at [redacted]. | Reviewer Comment (2026-06-02): Proof of statement received, exception cleared Buyer Comment (2026-06-01): Please see attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225657682 | [Redacted] | [Redacted] | 36589021 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Named insured does not match Borrower's name. | Reviewer Comment (2026-06-03): Hazard Insurance Policy, cleared Buyer Comment (2026-06-03): Please see correct HOI. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657810 | [Redacted] | [Redacted] | 36574461 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal identifies the property as a [redacted]-family dwelling; however, the comparable schedule reflects [redacted]-unit properties. Additionally, the Approval (Form 1008) indicates the property as a [redacted]-unit, and the lease agreements provided are also for [redacted]units. Please confirm the correct property type and number of units, as discrepancies are noted across the documentation. | Reviewer Comment (2026-06-06): Cleared. Received correcte appraisal with subject reflecting [redacted] units. Buyer Comment (2026-06-05): appraisal Buyer Comment (2026-06-05): corrected appraisal |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661799 | [Redacted] | [Redacted] | 36583022 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Executed HUD-1/Closing Statement is missing from the file. | Reviewer Comment (2026-06-05): Received signed closing statement. Exception cleared. Buyer Comment (2026-06-04): CDs not required on this transaction. TRID exempt. Buyer Comment (2026-06-03): Please see attached Final ALTA. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661808 | [Redacted] | [Redacted] | 36582612 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At Closing |
05/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225661808 | [Redacted] | [Redacted] | 36582613 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At Closing |
05/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225668287 | [Redacted] | [Redacted] | 36586559 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to a variance in P&I amount for REO property [redacted]. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Calculated DTI is not matching with the DTI reflecting on tape data. Exception remains. Buyer Comment (2026-06-04): updated 1008 |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225668287 | [Redacted] | [Redacted] | 36586576 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to a variance in P&I amount for REO property [redacted]. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Calculated DTI is not matching with the DTI reflecting on tape data. Exception remains. Buyer Comment (2026-06-04): Submitted updated 1008 |
06/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225668287 | [Redacted] | [Redacted] | 36586577 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to a variance in P&I amount for REO property [redacted]. | Reviewer Comment (2026-06-08): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-06-08): Calculated DTI is not matching with the DTI reflecting on tape data. Exception remains. Buyer Comment (2026-06-04): Submitted updated 1008 |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225669819 | [Redacted] | [Redacted] | 36646486 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225670565 | [Redacted] | [Redacted] | 36590866 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted] | Reviewer Comment (2026-06-04): Title commitment with sufficient coverage, cleared Buyer Comment (2026-06-04): title |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225670592 | [Redacted] | [Redacted] | 36645906 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month pay history for both mortgages on the subject property/ | Reviewer Comment (2026-06-05): [redacted]months mortgage history is provided for both the mortgages as required. Exception cleared. Buyer Comment (2026-06-03): Please see attached. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670827 | [Redacted] | [Redacted] | 36606331 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At Closing |
05/28/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225671336 | [Redacted] | [Redacted] | 36606499 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225677112 | [Redacted] | [Redacted] | 36608162 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225677112 | [Redacted] | [Redacted] | 36608163 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Verification disclosure was delivered to borrower [redacted]business days prior to closing; the application was not provided. | Reviewer Comment (2026-06-05): Re-validated compliance question. Exception Cleared. Buyer Comment (2026-06-03): Please see disclosure tracking - arm disc sent to borrower within [redacted] business days of app date |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225677362 | [Redacted] | [Redacted] | 36626833 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/Closing Disclosure in the loan file. Provided closing statement is an estimate. | Reviewer Comment (2026-06-04): Received Final Closing Statement. Exception cleared. Buyer Comment (2026-06-03): Please see Final Settlement Statement. Thank you! |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225677368 | [Redacted] | [Redacted] | 36612227 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225677395 | [Redacted] | [Redacted] | 36610193 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225678149 | [Redacted] | [Redacted] | 36612778 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225683394 | [Redacted] | [Redacted] | 36630586 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225683813 | [Redacted] | [Redacted] | 36633817 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225684300 | [Redacted] | [Redacted] | 36632877 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225689349 | [Redacted] | [Redacted] | 36643589 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225689589 | [Redacted] | [Redacted] | 36647937 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC is missing for the borrower. | Reviewer Comment (2026-06-06): Cleared. Received OFAC Buyer Comment (2026-06-04): Condition |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225689589 | [Redacted] | [Redacted] | 36647953 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background check for the borrower is missing. | Reviewer Comment (2026-06-06): Cleared. Received fraud report. Buyer Comment (2026-06-04): Condition |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689589 | [Redacted] | [Redacted] | 36647954 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report for the borrower is missing. | Reviewer Comment (2026-06-06): Cleared. Received fraud report. Buyer Comment (2026-06-04): condition |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689589 | [Redacted] | [Redacted] | 36647956 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC for the borrower is missing. | Reviewer Comment (2026-06-06): Cleared. Received OFAC Buyer Comment (2026-06-04): condition |
06/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225690454 | [Redacted] | [Redacted] | 36644788 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance V[Redacted]tion With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |