Exception Grades
Run Date - 6/22/2026 9:36:08 AM
| 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 |
| 225698360 | 3158636091 | 36663380 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |
Reviewer Comment (2026-06-04): Sufficient Cure Provided At Closing |
06/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698360 | 3158636091 | 36667182 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing complete copy of appraisal. Top and bottom of pages are cut off on documents provided. | Reviewer Comment (2026-06-08): clear/full copy of appraisal received Buyer Comment (2026-06-08): Please review clear copy |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698361 | 3158636093 | 36670865 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. 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 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698363 | 3158636097 | 36664709 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The Date issued has been partially redacted. | Reviewer Comment (2026-06-08): screenshot of unredacted date received Buyer Comment (2026-06-08): Do not concur. LEv2-4 contains the issue dates |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698363 | 3158636097 | 36664710 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The Date issued has been partially redacted. | Reviewer Comment (2026-06-08): screenshot of unredacted date received Buyer Comment (2026-06-08): Do not concur. LEv2-4 contains the issue dates |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698363 | 3158636097 | 36664711 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The Date issued has been partially redacted. | Reviewer Comment (2026-06-08): screenshot of unredacted date received Buyer Comment (2026-06-08): Do not concur. LEv2-4 contains the issue dates |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698364 | 3158636098 | 36665721 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |
Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698364 | 3158636098 | 36667874 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee, process fee and HOI of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. Credit not given for the business funds as no documentation the borrower is a part of the business or has access. Additionally, no credit given for funds in [Redacted] as updated history for the checking acct shows funds were moved and there is no updated history for [Redacted] to show a more current balance. | Reviewer Comment (2026-06-10): with the screenshot of assets provided, there are sufficient reserves Buyer Comment (2026-06-10): The only assets used was [Redacted] [Redacted] (see printout) with balance of $[Redacted] which is sufficient for funds to close and reserves. This balance includes the two gifts already given of $[Redacted]and $[Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698364 | 3158636098 | 36667875 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee, process fee and HOI of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. Credit not given for the business funds as no documentation the borrower is a part of the business or has access. Additionally, no credit given for funds in [Redacted] as updated history for the checking acct shows funds were moved and there is no updated history for [Redacted] to show a more current balance. | Reviewer Comment (2026-06-10): with the screenshot of assets provided, there are sufficient reserves Buyer Comment (2026-06-10): responded with LOX |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698364 | 3158636098 | 36667883 | 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) Risk. | Waterfall finding due to shortage of reserves. | Reviewer Comment (2026-06-10): with the screenshot of assets provided, there are sufficient reserves Buyer Comment (2026-06-10): responded to credit exception |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698364 | 3158636098 | 36667884 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to shortage of reserves. | Reviewer Comment (2026-06-10): with the screenshot of assets provided, there are sufficient reserves Buyer Comment (2026-06-10): responded to credit exception |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698364 | 3158636098 | 36667896 | 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 finding due to shortage of reserves. | Reviewer Comment (2026-06-10): with the screenshot of assets provided, there are sufficient reserves Buyer Comment (2026-06-10): responded to credit exception |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698366 | 3158636104 | 36669423 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-06-08): desk review with supporting value has been received |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698366 | 3158636104 | 36669461 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Legible paystubs and W-2s for the years [Redacted] and [Redacted]. | Reviewer Comment (2026-06-10): [Redacted] Buyer Comment (2026-06-10): See missing income docs Buyer Comment (2026-06-10): See income docs Buyer Comment (2026-06-10): See W2 Buyer Comment (2026-06-10): See paystub |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698366 | 3158636104 | 36669509 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. 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]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Exception approved with comp factors. |
06/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698366 | 3158636104 | 36671234 | 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) Risk. | Waterfall finding due to the missing legible paystubs and W2s for the borrower. | Reviewer Comment (2026-06-10): paystubs and w2's received Buyer Comment (2026-06-10): Waterfall. |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698366 | 3158636104 | 36671235 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing legible paystubs and W2s for the borrower. | Reviewer Comment (2026-06-10): paystubs and w2's received Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698366 | 3158636104 | 36671244 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Paystubs and W2s in file are not legible as the have been enlarged and the full document is not visible. | Reviewer Comment (2026-06-10): paystubs and w2's received Buyer Comment (2026-06-10): See missing income docs Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698366 | 3158636104 | 36671250 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Paystubs and W2s in file are not legible as the have been enlarged and the full document is not visible. | Reviewer Comment (2026-06-10): paystubs and w2's received Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698366 | 3158636104 | 36671255 | 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 finding due to the missing legible paystubs and W2s for the borrower. | Reviewer Comment (2026-06-10): paystubs and w2's received Buyer Comment (2026-06-10): See missing income docs Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698367 | 3158636105 | 36666718 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the DTI not meeting the guideline requirement of 43%. | 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 mortgage payment has decreased by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Universal Product Exception Form in file, exception approved with comp factors. |
06/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698367 | 3158636105 | 36666736 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions to the DTI Ratio. Exception approved with comp factors. | 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 mortgage payment has decreased by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Universal Product Exception Form in file, exception approved with comp factors. |
06/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698368 | 3158636109 | 36665269 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. Sufficient 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 | A | A | A | A | A | KY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698370 | 3158636113 | 36682866 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698370 | 3158636113 | 36682980 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was disclosed as -$[Redacted] on the Loan Estimate issued on [Redacted] (after rate lock) but disclosed as $[Redacted], including lender paid fees, on the Final Closing Disclosure. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do Not Concur. The loan locked on [Redacted] for the first time, pricing can change prior to lock, the lender credits disclosed timely on CD v2. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698371 | 3158636114 | 36673535 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Paystubs are missing. | Reviewer Comment (2026-06-10): paystubs received Buyer Comment (2026-06-10): provided Buyer Comment (2026-06-10): see attached |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698371 | 3158636114 | 36673690 | 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) Risk. | Waterfall finding due to the missing paystubs for borrower [Redacted]. | Reviewer Comment (2026-06-10): paystubs received Buyer Comment (2026-06-10): provided Buyer Comment (2026-06-10): see attached |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698371 | 3158636114 | 36673691 | 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 finding due to the missing paystubs for borrower [Redacted] | Reviewer Comment (2026-06-10): paystubs received Buyer Comment (2026-06-10): provided |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698371 | 3158636114 | 36674479 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Escalation Form in file for lender exception due to [Redacted] decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has 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]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-08): Exception approved with comp factors. |
06/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698371 | 3158636114 | 36675999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing paystubs for borrower [Redacted]. | Reviewer Comment (2026-06-10): paystubs received Buyer Comment (2026-06-10): provided |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698371 | 3158636114 | 36676025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the required paystubs for Borrower [Redacted]. | Reviewer Comment (2026-06-10): paystubs received Buyer Comment (2026-06-10): see attached Buyer Comment (2026-06-10): provided |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698375 | 3158636121 | 36677658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to completion of plans due to this being a new construction, this was disclosed timely on CD v2 |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | 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 | ||||||||||
| 225698376 | 3158636122 | 36676850 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. | - | APN number is not visible on the appraisal. Please provide another copy of the report with the number visible. | Reviewer Comment (2026-06-08): not required for review |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698377 | 3158636123 | 36673680 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing the [Redacted] and [Redacted] W2 for the borrower. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): w2 Reviewer Comment (2026-06-10): the W2's on these pages are blank, no name, no business name, no income, or any information. Buyer Comment (2026-06-10): In the file build on page [Redacted] and [Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698377 | 3158636123 | 36673795 | 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) Risk. | Waterfall condition for missing the [Redacted] and [Redacted] W2 for the borrower. | Reviewer Comment (2026-06-10): W2s received |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698377 | 3158636123 | 36673796 | 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 condition for missing the [Redacted] and [Redacted] W2 for the borrower. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): uploaded Reviewer Comment (2026-06-10): the W2's on these pages are blank, no name, no business name, no income, or any information. Buyer Comment (2026-06-10): in the file build [Redacted] and [Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698377 | 3158636123 | 36692855 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall condition for missing the [Redacted] and [Redacted] W2 for the borrower. | Reviewer Comment (2026-06-10): W2s received Reviewer Comment (2026-06-10): the W2's on these pages are blank, no name, no business name, no income, or any information. Buyer Comment (2026-06-10): waterfall Reviewer Comment (2026-06-09): Waterfall finding due to missing income document. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698377 | 3158636123 | 36692921 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall condition for missing the [Redacted] and [Redacted] W2 for the borrower. | Reviewer Comment (2026-06-10): W2s received |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698379 | 3158636126 | 36678295 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698379 | 3158636126 | 36678350 | 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 (2026-06-10): screenshot of HOI details received and acceptable Buyer Comment (2026-06-10): Loan is a [Redacted] to [Redacted] refinance per [Redacted] uploaded [Redacted] Screen section Hazard Insurance Flag Maintenance RCC- Yes. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698379 | 3158636126 | 36678354 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence in file of borrowers' receipt of the initial Closing Disclosure and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-09): e-delivery of initial CD received Buyer Comment (2026-06-09): Do Not Concur. Please see the electronic delivery record from the system showing delivery of the closing disclosure to the customer. |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698379 | 3158636126 | 36678356 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File did not contain a valid change of circumstance and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-09): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do Not Concur. The loan amount changed and the transfer taxes changed subsequently, the new amount was disclosed timely on LE v2. |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698381 | 3158636129 | 36674956 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-08): desk review with supporting value has been received |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698382 | 3158636131 | 36681123 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR does not provide a risk score for co-ops, which does not meet securitization requirements. | Reviewer Comment (2026-06-10): CDA recieved |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698382 | 3158636131 | 36682908 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Escalation Form in file for lender exception of [Redacted] Decline of co-op project due to significant financial losses year over year. Exception approved with comp factors. | 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. 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 SitusAMC |
Reviewer Comment (2026-06-08): Exception approved with comp factors. |
06/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | D | B | B | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698383 | 3158636133 | 36676640 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do Not Concur. Please see system comments regarding appraisal complexity and reason for fee increase, this fee was disclosed timely on LE [Redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | ||||||||||
| 225698383 | 3158636133 | 36676641 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to completion of repairs , this was disclosed timely on LE [Redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | ||||||||||
| 225698385 | 3158636137 | 36677226 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698386 | 3158636138 | 36671838 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do Not Concur. It was decided that an appraisal for this property from a prior loan could be used, the appraisal update was ordered, this was disclosed timely on LE [Redacted]. The full appraisal fee dropped off of the loan |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698386 | 3158636138 | 36672279 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI ratio. Exception approved, with comp factors. | 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 mortgage payment has decreased by at least [Redacted]%. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-07): Universal Product Exception Form in file, exception approved with comp factors. |
06/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698386 | 3158636138 | 36672281 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI ratio. Exception approved, with comp factors. | 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 mortgage payment has decreased by at least [Redacted]%. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-07): Universal Product Exception Form in file, exception approved with comp factors. |
06/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698388 | 3158636145 | 36673509 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): CDA received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Primary | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698390 | 3158636147 | 36664594 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-08): desk review with supporting value has been received |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TN | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698391 | 3158636148 | 36665185 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Valid CIC for interest rate [Redacted]. CD[Redacted] disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698392 | 3158636150 | 36677480 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations 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], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-16): [Redacted] received additional information on fee and purpose Buyer Comment (2026-06-15): Do Not Concur. Please see the e-mail from the closing attorney, the Title Closer Fee for $[Redacted] that is in section H was paid at the discretion of the buyer's attorney, it is not a Title fee that was necessary for [Redacted] financing but was an item on behalf of the borrower themselves and in regards to their own attorney that they retained to look over documents. Reviewer Comment (2026-06-10): Title - Closer Fee is noted in section H. Please provide documentation of fee purpose of Title - Closer fee. Inclusion or exclusion of fee in APR calculations depends on fee purpose when compared to [Redacted](c)(7). Buyer Comment (2026-06-09): Do Not Concur. [Redacted] is showing a Title Closer Fee for $[Redacted] in the fees used in calculating the finance charge but [Redacted] is not showing this fee on the closing disclosure or in the system, please clarify this fee. |
06/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698392 | 3158636150 | 36677481 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-16): [Redacted] received LOX for rebuttal response with additional rebuttal comment and further review the fees are within that [Redacted]% tolerance requirement. Buyer Comment (2026-06-15): Do Not Concur. First, the recording fee amount was initially disclosed as $[Redacted] on LE version 1 issued to the customer, this set the baseline at $[Redacted], the recording fees never increased higher than this and in fact the loan closed with recording fees of $[Redacted] on the final CD. Second, there were address discrepancies as the borrower provided an initial address before he actually applied for the loan and then after the purchase contract was received additional verification of the address had to be made Reviewer Comment (2026-06-15): [Redacted] received rebuttal comment that fee was increased after receipt of sales contract but the reason provided is not sufficient as recording fee is not linked to the receipt of sales contract. Please provide more information as to what new information was received with sales contract that resulted in increased recording fee or cure would be required. Buyer Comment (2026-06-11): Do Not Concur. The recording fee increased to $[Redacted] when the purchase contract was received and this was disclosed timely on LE V1. The baseline was set and the fee decreased prior to closing. Reviewer Comment (2026-06-11): [Redacted] received rebuttal comment. However, the title fees are disclosed in in section C from initial LE to final CD under borrower can shop for the services section, Additionally, the fees are payable to "[Redacted]" and was not selected from the SSPL provider list. Appears the fees are not falls under tolerance and only the recording fee exceeds over [Redacted]% tolerance. Provide valid COC for the fee increase of $[Redacted] form $[Redacted] on [Redacted] LE and decrease of $[Redacted] on final CD or Cure would be due to borrower. Buyer Comment (2026-06-09): Do Not Concur. The baseline was set higher on LE v1 than what was disclosed at closing for the [Redacted]% fees |
06/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | ||||||||||
| 225698393 | 3158636151 | 36665573 | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225698393 | 3158636151 | 36665539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): acceptable fee tolerances were met, Buyer Comment (2026-06-08): Do not Concur. [Redacted] has incorrect 10% baseline. Initial LE baseline is $[Redacted]. The customer wasnt charged Recording fees at closing. They actually received a lender credit. No cure due back. Invalid Exception |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698393 | 3158636151 | 36665540 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): Cured at closing or within 60 days of consummation prior to TPR review |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698393 | 3158636151 | 36665596 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 3.0, which does not meet securitization requirements. | Reviewer Comment (2026-06-06): AVM received, supporting the appraisal value |
06/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Primary | Purchase | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698394 | 3158636152 | 36665113 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-06): avm received with value supporting the appraisal value |
06/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698396 | 3158636154 | 36669041 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception of [Redacted] decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has 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. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Exception approved with comp factors. |
06/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698398 | 3158636159 | 36685692 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were increased on the [Redacted] Closing Disclosure. The file did not contain a valid Change of Circumstance for the increased fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-09): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CD[Redacted] disclosed timely |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698399 | 3158636160 | 36665147 | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated [Redacted] used to source fees for testing. | A Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine the Final Closing Disclosure to use for fees due to a missing Issue Date. Any applicable Federal, State, or Local compliance testing may be unreliable. CD indicated as "[Redacted]" at bottom of page has the dates at the top of page [Redacted] redacted. | Reviewer Comment (2026-06-08): documentation and explanation for ver [Redacted] received Buyer Comment (2026-06-08): Do not Concur. Please see system snip its reflecting a CD[Redacted] was not generated and was not sent to the customer via [Redacted]. All issue dates available. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698399 | 3158636160 | 36665151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | A Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Issue Date. Unable to conclusively determine the Final Closing Disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing, or the accuracy of disclosures at or before consummation due to a missing Issue Date. CD indicated as "[Redacted] at bottom of page has the dates at the top of page [Redacted] redacted. | Reviewer Comment (2026-06-08): documentation and explanation for ver [Redacted] received Buyer Comment (2026-06-08): Do not Concur. Please see system snip its reflecting a CD[Redacted] was not generated and was not sent to the customer via [Redacted]. All issue dates available. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698399 | 3158636160 | 36665153 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | Zero Percent Fee Tolerance was exceeded for Lender Credits. The Final Lender Credit of $[Redacted] exceeds the tolerance of $[Redacted]. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Premium pricing decreased to $[Redacted]with valid CICs loan points and interest rate [Redacted]. LE[Redacted] disclosed timely. The customer actually got an increase at closing. No cure due back |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698401 | 3158636162 | 36684496 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. Valid CICs for lock extension, loan points, credit score, and loan amount [Redacted]. LE disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | 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 | ||||||||||
| 225698401 | 3158636162 | 36684497 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Second Appraisal fee $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-12): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-06-12): Please see attached PCCD |
06/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MI | 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 | ||||||||||
| 225698402 | 3158636164 | 36685299 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was not provided. | Reviewer Comment (2026-06-09): appraisal delivery in file is acceptable |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698404 | 3158636166 | 36684925 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698404 | 3158636166 | 36684953 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor Change of circumstances provided. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do Not Concur. The appraisal expired and an update was required, this was disclosed timely on CD [Redacted]. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698405 | 3158636168 | 36664837 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. | - | APN Number is blank. | Reviewer Comment (2026-06-05): not required for review |
06/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698406 | 3158636170 | 36700797 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698406 | 3158636170 | 36700798 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). 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 (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698406 | 3158636170 | 36700807 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] was under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. The Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on the Closing Disclosure. | Reviewer Comment (2026-06-12): Upon further review finance charge was correctly disclosed to consumer. Buyer Comment (2026-06-11): Do not Concur. $[Redacted] of the [Redacted] attorney fee was already cured at closing due to a tolerance fee violation. Please remove that amount from [Redacted] calculations. That amount would not be required to be cured twice. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698407 | 3158636171 | 36664471 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Copy of Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-10): HOI screenshot received and acceptable Buyer Comment (2026-06-10): Loan is a [Redacted] to [Redacted] refinance per [Redacted] Screen shot [Redacted] Hazard Insurance Flag Maintenance RCC- Yes |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698407 | 3158636171 | 36664473 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-10): HOI screenshot received and acceptable Buyer Comment (2026-06-10): Loan is a [Redacted] to [Redacted] refinance per [Redacted] Hazard Insurance Flag Maintenance RCC- Yes |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698408 | 3158636172 | 36691425 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698410 | 3158636174 | 36680875 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): appraisal delivery received Buyer Comment (2026-06-09): Do not Concur. Appraisal sent via Doc [Redacted] |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | D | A | D | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698410 | 3158636174 | 36681063 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal provided is cut off; please provide a fully legible appraisal. | Reviewer Comment (2026-06-10): fully viewable appraisal received Buyer Comment (2026-06-10): correct appraisal Buyer Comment (2026-06-10): Appraisal |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Refinance - Rate/Term | D | A | D | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698411 | 3158636176 | 36680977 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698412 | 3158636177 | 36675700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | No cure nor COC provided. | Reviewer Comment (2026-06-08): fee change acceptable |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | 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 | ||||||||||
| 225698414 | 3158636179 | 36666710 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-06): avm received and acceptable |
06/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698415 | 3158636180 | 36665214 | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-06-12): final title received Buyer Comment (2026-06-12): Final Title Provided |
06/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | D | A | B | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698415 | 3158636180 | 36665228 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to go in a securitization and reflects only one valuation product when two are required. | Reviewer Comment (2026-06-06): AVM with value supporting the appraisal value received |
06/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | B | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698416 | 3158636181 | 36684822 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698417 | 3158636182 | 36696209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in recording fee. No valid COC was provided, nor evidence of cure in file. This fee overage was cured at closing. | Reviewer Comment (2026-06-10): Cured at closing or within [Redacted] days of consummation prior to [Redacted] review |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KY | 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 | ||||||||||
| 225698417 | 3158636182 | 36696210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. [Redacted] received the sales contract and transfer taxes are to be paid by customer. Valid CIC [Redacted] and LE[Redacted] disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KY | 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 | ||||||||||
| 225698420 | 3158636186 | 36682718 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-09): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do not Concur. Valid CICs for product and loan amount [Redacted]. Transfer taxes increased to $[Redacted] and [Redacted] disclosed timely. The transfer taxes charged to customer decreased at closing. No cure due back |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698420 | 3158636186 | 36684859 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698422 | 3158636190 | 36680717 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on[Redacted] are underdisclosed | The right side of pg 4 of the signed CD with a signature date of [Redacted] was not completed with any escrow/estimated property cost information. | Reviewer Comment (2026-06-17): complete final CD received Buyer Comment (2026-06-17): Please see the complete closing disclosure sent to the borrower, for all opened exceptions on this loan. |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing Disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing, or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. The Date Issued was not present on the Closing Disclosure signed/dated [Redacted]. | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Final Closing Disclosure provided on [Redacted] did not disclose the APR; however, the document was signed/dated by the borrowers evidencing receipt. | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680729 | 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). | Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID). | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680730 | 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 right side of pg 4 of the signed CD with a signature date of [Redacted] was not completed with any escrow/estimated property cost information. | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680731 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge however, the document was signed/dated by the borrowers evidencing receipt. | Reviewer Comment (2026-06-18): upon further review, the finance charge was properly disclosed Buyer Comment (2026-06-18): Do Not Concur. Please see the premium pricing allocation from the system snips, the lender credit of $[Redacted] was negative discount points and allocated to certain fees, this should not have been included in the finance charge allocation. Reviewer Comment (2026-06-18): Based on the CD received yesterday, the finding was updated to: 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. Buyer Comment (2026-06-18): Do Not Concur. The CD provided does disclose the finance charge and the Total of Payments, please see the provided and reference this in the package uploaded yesterday. Reviewer Comment (2026-06-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. (Final/[Redacted]) |
06/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680732 | 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). | Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from the use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose the Loan Term. | Final Closing Disclosure provided on [Redacted] did not disclose the Loan Term; however, the document was signed/dated by the borrowers evidencing receipt. | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680734 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [Redacted] did not have any of the options marked in the Partial Payments section of page 4. | Reviewer Comment (2026-06-17): complete final CD received |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698422 | 3158636190 | 36680735 | 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 5 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 provided on [Redacted] did not disclose the Total of Payments; however, the document was signed/dated by the borrowers evidencing receipt. | Reviewer Comment (2026-06-18): upon further review, the total of payments was properly disclosed Buyer Comment (2026-06-18): Do Not Concur. Please see the premium pricing allocation from the system snips, the lender credit of $[Redacted] was negative discount points and allocated to certain fees, this should not have been included in the finance charge allocation. Reviewer Comment (2026-06-18): based on the CD received, the finding was updated to: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 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. Buyer Comment (2026-06-18): Do Not Concur. The CD provided does disclose the finance charge and the Total of Payments, please see the provided and reference this in the package uploaded yesterday. Reviewer Comment (2026-06-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. (Final/[Redacted]) |
06/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698423 | 3158636193 | 36678048 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-09): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do not Concur. Valid CICs for loan amount, appraised value, loan points [Redacted]. Premium pricing decreased to $[Redacted]. The customer actually received move at closing which is in favor. No cure due back |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698424 | 3158636195 | 36673443 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Valid CICs for appraised value, loan points, loan amount, interest rate [Redacted]. [Redacted] disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | ||||||||||
| 225698425 | 3158636198 | 36673071 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% 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 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698425 | 3158636198 | 36673072 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698426 | 3158636199 | 36673449 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $0.00 on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Valid CICs for interest rate, loan points [Redacted]. CD[Redacted] disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698426 | 3158636199 | 36673451 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Valid CICs for loan amount, interest rate, loan points. CD[Redacted] disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698426 | 3158636199 | 36673463 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-08): desk review with supporting value has been received |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698431 | 3158636209 | 36675164 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WI | Second Home | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698432 | 3158636210 | 36672902 | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | The bottom of the Right to Cancel forms in file are cut off so date signed is not available for testing. | Reviewer Comment (2026-06-15): complete copy of RTC received Buyer Comment (2026-06-15): Please see complete signed Notice of Right to Cancel |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698432 | 3158636210 | 36672916 | 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], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-10): full replacement cost indicated, HOI coverage meets guideline requirements Buyer Comment (2026-06-10): Loan is a [Redacted] to [Redacted] refi please refer to screenshot page1 [Redacted] Full Replacement - Yes |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698433 | 3158636212 | 36683191 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. [Redacted] received the sales contract and transfer taxes are to be paid by customer. Valid CIC [Redacted] and LE[Redacted]disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | ||||||||||
| 225698434 | 3158636215 | 36674049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations 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], which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. | Reviewer Comment (2026-06-12): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-06-11): Please see attached PCCD package Reviewer Comment (2026-06-09): Current cure, based on loan file, is $[Redacted] to cure finance charge under disclosure. PCCD, LOE, copy of refund check and proof of mailing required for remediation. Buyer Comment (2026-06-08): Concur that the Title-Concurrent loan services fee $[Redacted] should have been included as a prepaid fee. Need [Redacted] to verify that the cure amount of $[Redacted] is required back. [Redacted] has a comment that has an incorrect cure amount of $[Redacted] |
06/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698434 | 3158636215 | 36674072 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698434 | 3158636215 | 36677731 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates delivery on [Redacted]; however, there is no evidence of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-08): appraisal delivery confirmed Buyer Comment (2026-06-08): Do not Concur. Appraisal sent via [Redacted] [Redacted] |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698437 | 3158636219 | 36677411 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence borrower receipt of the initial Closing Disclosure and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-08): evidence of e-delivery of disclosure received Buyer Comment (2026-06-08): Please see system snip of record of electronic delivery of the CD to the borrower |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698438 | 3158636220 | 36673511 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698438 | 3158636220 | 36673539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do Not Concur. The interest rate changed on [Redacted] and subsequently the lender credit which is premium pricing also changed. This was disclosed timely on CD [Redacted] |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698442 | 3158636230 | 36685096 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in the file had a risk score of 2.6, which does not meet securitization requirements. | Reviewer Comment (2026-06-17): LCA score is acceptable Buyer Comment (2026-06-17): Please see UCDP (D1037) the Freddie Mac LCA risk score is 1.5. |
06/17/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698442 | 3158636230 | 36685328 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. valid CIC for loan amount [Redacted]. CDv3 disclosed timely same day |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698443 | 3158636233 | 36674431 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter was not found in file. | Reviewer Comment (2026-06-10): gift letter received Buyer Comment (2026-06-10): See attached. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698443 | 3158636233 | 36674447 | 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 finding due to missing gift letter. | Reviewer Comment (2026-06-10): gift letter received Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698443 | 3158636233 | 36674451 | 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) Risk. | Waterfall finding due to missing gift letter. | Reviewer Comment (2026-06-10): Loan is SHQM (APOR). Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698443 | 3158636233 | 36684950 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | 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. 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]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-09): Exception approved with comp factors. |
06/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225698443 | 3158636233 | 36684951 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing gift letter. | Reviewer Comment (2026-06-10): gift letter received Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698443 | 3158636233 | 36685099 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift letter missing from file. The copy provided is enlarged to the point that it is not viewable. | Reviewer Comment (2026-06-10): gift letter received Buyer Comment (2026-06-10): Waterfall |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698443 | 3158636233 | 36685100 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | 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. 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]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-09): Exception approved with comp factors. |
06/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225698444 | 3158636234 | 36677763 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations 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], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-11): [Redacted] received lender information confirming the wire & courier fee in section [Redacted] were realtor fees. Buyer Comment (2026-06-10): Do not Concur. Please see LOX from Title. [Redacted] is including two section [Redacted] fees that are customer optional and from the realtor. These fees should not be included as prepaid fees |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698444 | 3158636234 | 36677765 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698445 | 3158636235 | 36675986 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. The issue date is redacted on the document. Unable to determine actual date issued for testing purposes. | Reviewer Comment (2026-06-09): proof of disclosure date received Buyer Comment (2026-06-09): Do not Concur. All LE's have issue dates of [Redacted]. All LEs were "generated" on [Redacted] but due to cut off time have the next day issue date. |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698447 | 3158636243 | 36680644 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal provided in file is cut off at the top and bottom of most pages, please provide fully legible copy of appraisal. | Reviewer Comment (2026-06-10): fully viewable appraisal received Buyer Comment (2026-06-10): Appraisal |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698448 | 3158636247 | 36675218 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Note reflects city of [Redacted] and HOI reflects city of [Redacted]. | Reviewer Comment (2026-06-11): name variance acceptable Buyer Comment (2026-06-10): Please refer to [Redacted] Zip Code Lookup pg [Redacted] [Redacted]- Other city Name [Redacted] |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698448 | 3158636247 | 36675252 | 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 three (3) business days prior to consummation. | Corrected Closing Disclosure issued on [Redacted] contains a change in APR, and a complete Closing Disclosure was not received by the borrower at least three (3) business days prior to consummation. | Buyer Comment (2026-06-12): CDv4 reset timing when it increased outside of tolerance from CDv2. No new waiting period occurred. Loan closed too soon. Reviewer Comment (2026-06-12): The [Redacted] Closing Disclosure (CD), reflecting a cash-to-close amount of $[Redacted], was included in the loan file and is subject to review and testing. The associated APR change to [Redacted]% was not received within the required timeframe. While the Valid Change of Circumstance (VCC) is not in question, the timing of the disclosure delivery does not comply with Regulation Z requirements for the three-day waiting period. If the referenced CD was issued in error, a Letter of Explanation (LOE) is required and will be reviewed upon receipt. Based on the current loan file, no clear cure for this exception is evident. Buyer Comment (2026-06-11): Please see attached CIC for Interest rate CIC [Redacted] and LOX for no new waiting period was required due to the APR was in tolerance of the initial CD Reviewer Comment (2026-06-10): The transaction closed on [Redacted]. The deadline to receive any changes to the APR% was [Redacted]. The Closing Disclosure (CD) dated [Redacted] reflects an APR of [Redacted]% and was received in a timely manner on [Redacted]. The initial CD that was dated [Redacted] reflects an APR of [Redacted]% and an interest rate of [Redacted]%; however, it was not received in a timely manner (received [Redacted]). The final CD, signed by the borrower on [Redacted], reflects an APR of [Redacted]%. If the change in APR is determined to be a typographical ([Redacted]) error rather than an actual change-based on supporting documentation and/or analysis of the corresponding loan terms, finance charge, Total of Payments (TOP), and Amount Financed on the same disclosure-then the exception may be cleared or canceled. Please provide a Letter of Explanation (LOE) regarding the circumstances surrounding the [Redacted] CD reflecting a [Redacted]% rate for further review. Buyer Comment (2026-06-09): Do not Concur. The APR on the initial CD reflects [Redacted] and the APR on the final signed CD reflects [Redacted]. The ARP did not go out of tolerance. No new waiting period required Reviewer Comment (2026-06-09): [Redacted] received rebuttal that APR decreased. However, there are 2 sequences of the [Redacted] CD, Sequence 1, Doc ID [Redacted], which reflects APR of [Redacted]% and then the Final CD also issued [Redacted], Doc ID [Redacted], reflects an increasing APR of [Redacted]% and increased over .[Redacted]%. Wet sign date of [Redacted] was not received within 3 business of consummation date of [Redacted]. Timing not met. Buyer Comment (2026-06-08): Do not Concur. The APR and the Amount finance decreased. A new waiting period is not required |
06/12/2026 | 3 | C | C | C | C | C | C | C | C | C | C | MO | Primary | Purchase | No Defined Cure | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698448 | 3158636247 | 36675255 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. [Redacted] received the appraisal/invoice [Redacted] and survey inspection was required. CDv2 disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698449 | 3158636248 | 36675464 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-08): Do not Concur. Appraisal fee CIC [Redacted] with attached complexity comments. Le[Redacted] disclosed timely |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | 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 | ||||||||||
| 225698450 | 3158636249 | 36676626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | The Lender Credits Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. Valid CIC for loan amount [Redacted]. CD[Redacted] disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698450 | 3158636249 | 36676627 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. Appraisal is being re-used from prior loan. Valid CIC [Redacted] and LE[Redacted]disclosed timely same day |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698451 | 3158636253 | 36677255 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698453 | 3158636257 | 36680952 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing [Redacted] and [Redacted] W-2s. All boxes of the W2s provided are blank. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): w2 |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698453 | 3158636257 | 36680954 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [Redacted] and [Redacted] W-2s. All boxes of the W2s provided are blank. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): Uploaded |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698453 | 3158636257 | 36680958 | 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) Risk. | Waterfall finding due to missing [Redacted] and [Redacted] W-2s, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-10): W2s received |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698453 | 3158636257 | 36680959 | 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 finding due to missing [Redacted] and [Redacted] W-2s. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): uploaded |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698453 | 3158636257 | 36680960 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing [Redacted] and [Redacted] W-2s. | Reviewer Comment (2026-06-10): W2s received Buyer Comment (2026-06-10): uploaded |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698455 | 3158636259 | 36695229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-06-10): proof of initial CD delivery received Buyer Comment (2026-06-10): Do not Concur. Initial CD sent via[Redacted] [Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698456 | 3158636260 | 36685276 | 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 three (3) business days prior to consummation. | Buyer Comment (2026-06-10): Concur. APR increased by [Redacted]% on CD[Redacted] [Redacted]and did not reset the waiting period. Loan closed next day and CDv3 was signed |
06/10/2026 | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | No Defined Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698456 | 3158636260 | 36685282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. The Date Issued on the document is redacted. Unable to determine accurate issue date. | Reviewer Comment (2026-06-09): LE date received Buyer Comment (2026-06-09): Do not Concur. Issue dates for LE[Redacted] are [Redacted] |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698456 | 3158636260 | 36685284 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject o [Redacted]% tolerance increased beyond the allowable limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-09): corrected initial LE figures included and fee tolerance not exceeded Buyer Comment (2026-06-09): nvalid Exception. [Redacted] has incorrect baseline for 10%s. Section E recording fee on the initial LE the baseline was set at $[Redacted] plus [Redacted]%. Recording fees decreased at closing. No cure due back |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698456 | 3158636260 | 36685285 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-09): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-09): Do not Concur. Valid CICs for loan points, interest rate, product [Redacted]. CD[Redacted] disclosed timely same day |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698458 | 3158636262 | 36694438 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: | Appraisal is not fully legible, top of pages are cut off. Please provide a fully legible copy of the appraisal. | Reviewer Comment (2026-06-12): fully visible copy of the appraisal received Buyer Comment (2026-06-12): see attached |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698459 | 3158636263 | 36667119 | 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). | The upper portion of all pages of the borrower's final Closing Disclosure is cut off. Analysis cannot be completed due to missing information disclosed on the upper portion of the document. | Reviewer Comment (2026-06-08): full/clear copy of final CD received Buyer Comment (2026-06-08): Please review clear copy |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698460 | 3158636265 | 36677530 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification missing for the property '[Redacted]'. | Reviewer Comment (2026-06-08): REO documentation in file is acceptable |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698461 | 3158636267 | 36677233 | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated [Redacted] used to source fees for testing. | The top of the Closing Disclosure, including the field for Date Issued ,that is signed/dated [Redacted] is cut off | Reviewer Comment (2026-06-09): complete copy of disclosure received Buyer Comment (2026-06-09): full doc provided |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698461 | 3158636267 | 36677235 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | The top of the Closing Disclosure, including the field for Date Issued ,that is signed/dated [Redacted] is cut off | Reviewer Comment (2026-06-09): complete copy of disclosure received Buyer Comment (2026-06-09): Please review complete copy |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698462 | 3158636268 | 36685900 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-06-10): final 1003 received Buyer Comment (2026-06-10): Please review complete final 1003 |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225698462 | 3158636268 | 36686025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-11): appraisal delivery received Buyer Comment (2026-06-11): Please see attached. |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698462 | 3158636268 | 36686026 | 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. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-10): third party verification received |
06/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698462 | 3158636268 | 36686027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current [Redacted] status using reasonably reliable third-party records. | File is missing the required third party verification of the borrower's business. | Reviewer Comment (2026-06-10): third party verification received Buyer Comment (2026-06-10): Please review page [Redacted] -[Redacted]/ [Redacted]and [Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698462 | 3158636268 | 36686028 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Disclosure is missing from the file. | Reviewer Comment (2026-06-10): IEADs received Buyer Comment (2026-06-10): Please review IEAD |
06/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698462 | 3158636268 | 36686029 | 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. | Issue appears to have been resolved with the Post-Close Closing Disclosure; however to cure the issue the following is needed: 1) Letter of explanation to the borrower, 2) a copy of the refund check for the underdisclosed amount, and 3) proof of delivery to the borrower. | Reviewer Comment (2026-06-09): issue resolved at closing is acceptable as is |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | 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 | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698462 | 3158636268 | 36693059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-10): third party verification received |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698462 | 3158636268 | 36693077 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification of the borrower's business. | Reviewer Comment (2026-06-10): third party verification received |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698462 | 3158636268 | 36693096 | 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 finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-10): third party verification received |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698462 | 3158636268 | 36693440 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 and the HELOC Agreement documents are both blank so terms of what appears to be secondary financing based on data tape are unable to be determined. Additionally, if loan did close with secondary financing and it was already in place prior to subject loan a copy of the subordination agreement is also missing. | Reviewer Comment (2026-06-10): second lien documentation received Buyer Comment (2026-06-10): 1008 Buyer Comment (2026-06-10): Please review the attached 1008 and HELOC agreement documents show this was a simultaneous close HELOC subordinate to the subject first lien. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698467 | 3158636278 | 36681020 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-09): appraisal delivery received Buyer Comment (2026-06-09): Do Not Concur - please review page [Redacted]/ [Redacted] |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698467 | 3158636278 | 36681021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): appraisal delivery received |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698467 | 3158636278 | 36681023 | 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]. | Seller Closing Disclosure is missing in the file. | Reviewer Comment (2026-06-09): full copy of seller CD received Buyer Comment (2026-06-09): Please review full copy of seller cd - partial located in upload Buyer Comment (2026-06-09): Please see complete seller cd (partial located in upload) |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698467 | 3158636278 | 36681062 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The Final 1003 document is missing in the file. | Reviewer Comment (2026-06-09): final 1003 received Buyer Comment (2026-06-09): Please review final 1003 |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698468 | 3158636280 | 36694397 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Signature page on final 1003 is cut off in images. | Reviewer Comment (2026-06-10): complete 1003 received Buyer Comment (2026-06-10): please review |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698470 | 3158636285 | 36671474 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | File contains several Form 442s; however, none of them indicate the property is complete. | 3 | C | C | C | C | C | C | C | C | C | C | MN | Primary | Refinance - Rate/Term | C | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225698470 | 3158636285 | 36665200 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | File is missing evidence the [Redacted] version of the appraisal was provided to the borrower. | Reviewer Comment (2026-06-09): proof of appraisal delivery received Buyer Comment (2026-06-09): Do Not Concur - please review page 2046 / D0605 |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Refinance - Rate/Term | C | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698470 | 3158636285 | 36665204 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | [Redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | Informational level 2, [Redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | Reviewer Comment (2026-06-05): State disclosures not part of scope as client is a national bank |
06/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Rate/Term | C | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698470 | 3158636285 | 36665206 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form |
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The only signed Right to Cancel form in file is signed/dated [Redacted], almost a full month after the Note date. | Reviewer Comment (2026-06-09): updated RTC was provided with new 3-day waiting period prior to review Buyer Comment (2026-06-09): Please review LOE confirming this was corrected due to an error - Page 2295 / D0840 |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | 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 | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698470 | 3158636285 | 36671481 | 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 (2026-06-12): client accepts EV2 condition Buyer Comment (2026-06-12): EV2 accepted |
06/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MN | 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 | C | A | A | C | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698471 | 3158636286 | 36664972 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-06-08): VVOE within 10 days of closing has been received Buyer Comment (2026-06-08): Please review VVOE |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698474 | 3158636292 | 36663493 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. File does contain an email (doc [Redacted]) indicating appraisal is being sent; however, the email is not dated and the "To" line of the email is redacted. | Reviewer Comment (2026-06-08): proof of appraisal delivery in file is acceptable Buyer Comment (2026-06-08): Do Not Concur - please review page [Redacted]/ [Redacted] |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CO | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698474 | 3158636292 | 36663494 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The initial Loan Estimate dated [Redacted] was electronically provided without or prior to the borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to timely provide a Good Faith Estimate of fees may result in additional fee tolerance violations. | Reviewer Comment (2026-06-08): e-consent documentation was received timely Buyer Comment (2026-06-08): Do Not Concur - page [Redacted]/ [Redacted]- consent to receive [Redacted] [Redacted] (application signed [Redacted] also providing consent for e disclosure) |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698476 | 3158636295 | 36664141 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Figures were changed in section [Redacted] of page [Redacted] on the Post-Close CD; however a new Initial Escrow Account Disclosure was not issued to the borrower reflecting the changes. | Reviewer Comment (2026-06-09): updated disclosure received Buyer Comment (2026-06-09): please review iead |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698477 | 3158636297 | 36664001 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | Reviewer Comment (2026-06-05): appraisal delivery is acceptable |
06/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698478 | 3158636299 | 36670150 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-05): Sufficient Cure Provided within 60 Days of Closing |
06/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MS | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698479 | 3158636301 | 36713952 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the Initial CD by the borrower and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-12): e-delivery of disclosure received Buyer Comment (2026-06-12): Do Not Concur - please review tracking page [Redacted] / [Redacted] |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698479 | 3158636301 | 36713954 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 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 circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-06-12): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-12): Do Not Concur - increase was due to complexity fee page [Redacted] / [Redacted] |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | ||||||||||
| 225698481 | 3158636307 | 36714084 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $0.00 on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-11): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-11): Final Loan Estimate [Redacted] rate lock expired [Redacted] - lock extension added to [Redacted] CD at a cost of [Redacted]. page [Redacted] |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698482 | 3158636309 | 36664733 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file was missing a copy of the Flood Certificate. | Reviewer Comment (2026-06-09): certificate received Buyer Comment (2026-06-09): Please review |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698485 | 3158636313 | 36663803 | 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 Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | 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 Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. Final 1003 for both borrowers indicates owner occupancy in the declarations section. | Reviewer Comment (2026-06-08): updated final 1003 has correct occupancy Buyer Comment (2026-06-08): Do Not Concur -Final Application by [Redacted] signed [Redacted] (page[Redacted]) - disclosed subject property as Second Home ([Redacted] as primary) - **Updated Final Application by [Redacted] signed [Redacted]6 (page [Redacted]/[Redacted]) - disclosed subject property as Second Home ([Redacted] as primary) |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698485 | 3158636313 | 36663863 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | The subject property is identified as Second Home property; however, in the final Form 1003, Section 5a.A "Will you occupy the property as your primary residence?" is answered as "Yes." Provide an updated final Form 1003 with corrected information. | Reviewer Comment (2026-06-08): updated final 1003 has correct occupancy |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698485 | 3158636313 | 36663865 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | The subject property is identified as Second Home property; however, in the final Form 1003, Section 5a.A "Will you occupy the property as your primary residence?" is answered as "Yes." Provide an updated final Form 1003 with corrected information. | Reviewer Comment (2026-06-08): updated final 1003 has correct occupancy |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698485 | 3158636313 | 36670576 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. 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 | A | A | A | A | A | MD | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698490 | 3158636322 | 36694006 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-06-16): desk review supporting the appraisal value has been received Buyer Comment (2026-06-16): Please review uploaded CDA |
06/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698490 | 3158636322 | 36694051 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Please review page 7 of [Redacted] ([Redacted]) Charges That Cannot increase section. Increase on [Redacted] CD baseline is rate dependent. [Redacted] LE had rate locked to [Redacted]. Increase in points on [Redacted] Final CD due to maintain [Redacted]% interest rate. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698490 | 3158636322 | 36694155 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | The file is missing a copy of Ground Lease. | Reviewer Comment (2026-06-10): not required for this co-op property Buyer Comment (2026-06-10): There is no ground rent per appraisal (coop project info section). |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698495 | 3158636328 | 36675092 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. The date issued at the top of page [Redacted] was redacted and not visible. | Reviewer Comment (2026-06-10): fully visible LE received Buyer Comment (2026-06-10): Please review uploaded LE |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698495 | 3158636328 | 36685107 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-10): loan closed with fees less than baseline initial LE Buyer Comment (2026-06-10): Do not concur. Baseline amount for discount points is $[Redacted] per [Redacted] LE. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | 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 | ||||||||||
| 225698497 | 3158636330 | 36713983 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The only Notice of Special Flood Hazard Disclosure in file is dated [Redacted] which was the closing date. | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225698497 | 3158636330 | 36713982 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence delivery of the original appraisal to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-12): proof of appraisal delivery received Buyer Comment (2026-06-12): Please review uploaded proof of appraisal delivery. Redacted email address for borrower match email address on URLA. |
06/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698497 | 3158636330 | 36713987 | 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. | Proposed insured amount is less than the final loan amount. Please provide the final policy with coverage equal to the loan amount. | Reviewer Comment (2026-06-12): settlement statement from title company with correct coverage amount received Buyer Comment (2026-06-12): Please review settlement statement starting at D0404 that lists Lender's Title Insurance coverage of $[Redacted] on page 2. |
06/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698497 | 3158636330 | 36718363 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence delivery of the updated appraisal to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-12): proof of appraisal delivery received Buyer Comment (2026-06-12): Please review uploaded proof of appraisal delivery. Redacted email address for borrower match email address on URLA. |
06/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698498 | 3158636332 | 36698548 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698499 | 3158636333 | 36701154 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the updated appraisal, dated [Redacted], was provided to the borrower at least 3 days prior to closing. | Reviewer Comment (2026-06-11): appraisal ack received Buyer Comment (2026-06-11): Please review uploaded appraisal acknowledgement |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698499 | 3158636333 | 36701165 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Pages [Redacted] to [Redacted] of the Security Instrument provide are cut off and the remaining pages are completely missing. Provide the complete, signed Security Instrument document with all pages included. | Reviewer Comment (2026-06-11): complete DOT received Buyer Comment (2026-06-11): Please review uploaded DOT. |
06/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698499 | 3158636333 | 36701274 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698499 | 3158636333 | 36717169 | 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) Risk. | Waterfall finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NE | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698499 | 3158636333 | 36717170 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698499 | 3158636333 | 36717174 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698499 | 3158636333 | 36717177 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698499 | 3158636333 | 36717199 | 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 finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please review [Redacted]. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698500 | 3158636334 | 36684922 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698500 | 3158636334 | 36685942 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception DTI ratio. Exception approved, with comp 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. 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 SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-10): Universal Product Exception Form in file, exception approved with comp factors. |
06/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698500 | 3158636334 | 36685944 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception DTI ratio. Exception approved, with comp 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. 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 SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-10): Universal Product Exception Form in file, exception approved with comp factors. |
06/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225698503 | 3158636339 | 36674594 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698504 | 3158636342 | 36686018 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698505 | 3158636343 | 36693112 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | AVM criteria does not meet securitization requirements for all rating agencies. | Reviewer Comment (2026-06-17): BPO received, with a value supporting the appraisal value Buyer Comment (2026-06-17): Please see attached BPO. |
06/17/2026 | 1 | A | A | D | A | A | A | A | A | A | A | TN | Primary | Purchase | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698505 | 3158636343 | 36693128 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the updated appraisal was provided to the borrower. | Reviewer Comment (2026-06-10): appraisal delivery received Buyer Comment (2026-06-10): Please review D0544 evidencing appraisal delivery on [Redacted]. |
06/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698509 | 3158636351 | 36697541 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | 3 | C | C | C | C | C | C | C | C | C | C | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225698509 | 3158636351 | 36697543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations 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], which exceeds the $100.00 threshold. | Reviewer Comment (2026-06-11): [Redacted] received rebuttal that lender did not inclue the Title-Notary fee in calculations. However, the fee name disclosed on the Final CD & PCCD is Title-Mobile Notary Fee, not strictly "Notary". While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges. Buyer Comment (2026-06-10): Do not concur. Please see Mavent at D0587. Per pages 7 and 8, $[Redacted] Notary Fee is excluded from calculation as it is non-prepaid. |
3 | C | C | C | C | C | C | C | C | C | C | TN | 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 | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698509 | 3158636351 | 36697539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Section G of final CD shows seller paying part of the initial escrow. | Reviewer Comment (2026-06-10): client accepts EV2 Buyer Comment (2026-06-10): EV2 accepted |
06/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698510 | 3158636354 | 36695681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. | Reviewer Comment (2026-06-22): [Redacted] received corrected PCCD and LOE with fee reconciled as per final SS. Buyer Comment (2026-06-18): LOE is not required. Property is in an escrow state and settlement statement reflects Print Date & Time of [Redacted]. Disclosure was made at time o disbursement. Buyer Comment (2026-06-18): Please review uploaded unredacted 1st page of PCCD. Reviewer Comment (2026-06-18): [Redacted] received CD, however issue date provided is not clear on the CD it is greyed out. Please provide corrected PCCD and LOE to re-evaluate the exception. Buyer Comment (2026-06-17): Please review uploaded final settlement statement and PCCD. Reviewer Comment (2026-06-11): [Redacted] received COC dated [Redacted] which is not valid. Kindly provide a valid COC for the recording fee increase for $[Redacted] on CD dated [Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund and proof of mailing. Buyer Comment (2026-06-10): Please see page 10 of Mavent (D0386) and 3/19/26 CIC (D0400) |
06/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | 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 | ||||||||||
| 225698510 | 3158636354 | 36700203 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Email in file evidencing delivery is not dated and the name of recipient is redacted. No other evidence of delivery found in file. | Reviewer Comment (2026-06-10): appraisal delivery received Buyer Comment (2026-06-10): Please review D0492 or D0505 |
06/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NV | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698511 | 3158636356 | 36693866 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Final CD that appears to have been signed by the borrower is cut off at the bottom on multiple pages. Please provide a full copy of the final signed CD. | Reviewer Comment (2026-06-10): fully visible final CD received Buyer Comment (2026-06-10): Please review uploaded CD |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698514 | 3158636359 | 36700876 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698517 | 3158636365 | 36693981 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file is missing a copy of the fully executed Security Instrument, signed and dated. | Reviewer Comment (2026-06-11): borrower signed SI received Buyer Comment (2026-06-11): Please see attached. |
06/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Second Home | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698517 | 3158636365 | 36693982 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-11): fee tolerance issue resolved Buyer Comment (2026-06-11): Do Not Concur - although settlement agent name is similar, per contact information, they are different agency. Borrower shopped for title services and should not be held to [Redacted]%. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698518 | 3158636366 | 36714007 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Copy of Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-15): HOI policy received Buyer Comment (2026-06-15): Please see Hazard Policy |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698518 | 3158636366 | 36714008 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Copy of Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-15): HOI policy received Buyer Comment (2026-06-15): see attached Hazard Policy |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698518 | 3158636366 | 36714017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Copy of 1003 Final is missing. | Reviewer Comment (2026-06-15): final 1003 received Buyer Comment (2026-06-15): see attached F1003 Buyer Comment (2026-06-15): Right of Rescission not needed (Construction to Perm - [Redacted] Rating) Buyer Comment (2026-06-15): Please see Final 1003 |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698518 | 3158636366 | 36714076 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): Please see Appraisal receipt |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698518 | 3158636366 | 36714077 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): see attached Appraisal receipt. |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698518 | 3158636366 | 36714078 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): see attached Appraisal receipt. |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698518 | 3158636366 | 36714079 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): see attached Appraisal receipt. |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698518 | 3158636366 | 36714081 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Second Appraisal Fee. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698518 | 3158636366 | 36714082 | 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. | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-06-15): disclosure not required Buyer Comment (2026-06-15): Do not concur: Right of Rescission not required (Construction to Perm - [Redacted] Rating) |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698520 | 3158636371 | 36695391 | 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], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-10): insurance LOE received, HOI coverage is acceptable Buyer Comment (2026-06-10): Please review LOE from insurance company confirming coverage for total loss page [Redacted] - page [Redacted] |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698521 | 3158636373 | 36712548 | 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 (2026-06-12): RCE shows HOI coverage is sufficient Buyer Comment (2026-06-12): Please see attached letter for RCE coverage |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698522 | 3158636374 | 36684521 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the updated appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-06-09): appraisal ack received Buyer Comment (2026-06-09): See attached Appraisal acknowledgment |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698522 | 3158636374 | 36684523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased above the allowable limit due to an increase in the Lender's Title Insurance fee . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-09): lender cured this fee tolerance issue at closing Buyer Comment (2026-06-09): Please see cure in Category J of the Final CD for the increase in the ten percent tolerance. (Lender's Title fee) |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698522 | 3158636374 | 36684524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-17): sufficient cure provided at closing for all fee overages Buyer Comment (2026-06-17): Please review following explanation: Good Faith Disclosed $[Redacted] -------------------- [Redacted]- Not Shopped for Closing Fee $[Redacted]/Lender Title $[Redacted] ($[Redacted]) = [Redacted] ---------------------- [Redacted] cure for title fees and [Redacted] cure for appraisal= ([Redacted]) |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698522 | 3158636374 | 36686063 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | No payoff statement found in file. | Reviewer Comment (2026-06-09): mtg statement received Buyer Comment (2026-06-09): Please see attached Mortgage Stmt |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698523 | 3158636375 | 36715249 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the credit report fee $[Redacted] POC plus homeowners insurance of $[Redacted] POC plus the down payment/deposit of $[Redacted] plus, total liquid funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. The statement from [Redacted] does not reflect liquid funds available to the borrower. The statement reflects 'Lender Portfolio with Loan Balances'. Unable to determine liquidity of funds. | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. Documentation provided to support the $[Redacted] balance that is stated by [Redacted] investor relations as funds that can be redeemed as cash upon client direction making the funds liquid for purpose of approval. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698523 | 3158636375 | 36715316 | 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) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR). | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. Reviewer Comment (2026-06-11): Waterfall finding due to missing verification of funds to close and reserves. |
06/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698523 | 3158636375 | 36715317 | 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 finding due to missing verification of funds to close and reserves. | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698523 | 3158636375 | 36716803 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the credit report fee $[Redacted] POC plus homeowners insurance of $[Redacted] POC plus the down payment/deposit of $[Redacted] plus, total liquid funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. The statement from [Redacted] does not reflect liquid funds available to the borrower. The statement reflects 'Lender Portfolio with Loan Balances'. Unable to determine liquidity of funds. | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698523 | 3158636375 | 36718276 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verification of funds to close and reserves. | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698523 | 3158636375 | 36718323 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall finding due to missing verification of funds to close and reserves. | Reviewer Comment (2026-06-12): sufficient assets in file Buyer Comment (2026-06-12): Please see page [Redacted]- [Redacted] in the loan file. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698524 | 3158636376 | 36691380 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does contain a cure in file with the amount $[Redacted] which is sufficient. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698524 | 3158636376 | 36691381 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does contain a cure in file with the amount $[Redacted] which is sufficient. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698525 | 3158636377 | 36698882 | 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], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-15): updated HOI policy showing increased coverage is acceptable Buyer Comment (2026-06-15): See attached Hazard Policy Reviewer Comment (2026-06-11): guideline requirements are not met based on the HOI coverage Buyer Comment (2026-06-11): Do not concur. $[Redacted] includes $[Redacted] for [Redacted], pool etc. and $[Redacted] for garage/carport. Deducting these yields $[Redacted]. $[Redacted] exceeds this. |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698525 | 3158636377 | 36698884 | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-06-15): final title policy received Buyer Comment (2026-06-15): See attached Title Policy |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698526 | 3158636381 | 36686281 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-06-11): title policy received Buyer Comment (2026-06-11): Please review title policy Reviewer Comment (2026-06-11): closing instructions are not a sufficient way to resolve this issue. need a final title policy or a title commitment document from title company showing coverage equal to the loan amount. Buyer Comment (2026-06-11): Do Not Concur - please review closing instructions page [Redacted] specifies required title policy amount - page [Redacted] |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698527 | 3158636382 | 36714090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Missing Page 5 of the final CD | Reviewer Comment (2026-06-12): [Redacted] received full copy of Final CD Buyer Comment (2026-06-11): please review page 5 |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Rate/Term | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698527 | 3158636382 | 36714092 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Missing Page 5 of the final CD | Reviewer Comment (2026-06-12): [Redacted] received full copy of Final CD |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Rate/Term | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698527 | 3158636382 | 36714093 | 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. | Missing Page 5 of the final CD | Reviewer Comment (2026-06-12): [Redacted] received full copy of Final CD |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Rate/Term | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose Product. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): See attached closing disclosure |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698528 | 3158636383 | 36694030 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | 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. | Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-09): Sufficient Cure Provided within 60 Days of Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694039 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing Disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing, or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694040 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694041 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694042 | 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). | Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694043 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose whether the Interest Rate can change. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694044 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose the Loan Term. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698528 | 3158636383 | 36694045 | 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. | The top portion of each page of the final signed CD is cut off. Unable to complete testing until a complete version of the document is received. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): see attached CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698532 | 3158636387 | 36713951 | 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. | Total payments information is not provided. Closing Disclosure pages are cut off. | Reviewer Comment (2026-06-12): [Redacted] received complete copy of final CD. Buyer Comment (2026-06-11): please review complete FCD |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698535 | 3158636392 | 36685872 | 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 (2026-06-10): seller paid fees received Buyer Comment (2026-06-10): See attached Final CD dated [Redacted]which includes the Sellers paid fees. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698535 | 3158636392 | 36685873 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence of receipt in file for the Initial Closing Disclosure and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-11): evidence of initial CD delivery received Buyer Comment (2026-06-11): Please review page [Redacted]/ [Redacted] |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698537 | 3158636396 | 36685830 | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-06-11): title policy amount on settlement statement matches loan amount Buyer Comment (2026-06-11): Do Not Concur - please review Refinance Statement signed by borrower and title reflecting Loan Policy Coverage to be issued as $[Redacted] - page [Redacted]-[Redacted]/ [Redacted] |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698537 | 3158636396 | 36685847 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-11): HOI coverage is sufficient to meet guideline requirements Buyer Comment (2026-06-11): Guidelines require that "The min. amount of required property insurance coverage must be equal to the lesser of (a) [Redacted]% of the replacement cost value of the improvements, or (b) the unpaid principal balance of the loan, provided it equals no less than [Redacted]% of the replacement cost value of the improvements. Per appraisal, $[Redacted] is the appraised value less $[Redacted] site value leaves an implied replacement cost of $[Redacted] - Coverage amount $[Redacted] would be sufficient. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698539 | 3158636398 | 36697664 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Deposit in section G and on page [Redacted]of the final CD is $[Redacted]; however, the Initial Escrow Account Disclosure reflects an initial deposit of $[Redacted]. | Reviewer Comment (2026-06-11): CD matches IEADs Buyer Comment (2026-06-11): Do Not Concur - please review Final CD |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698539 | 3158636398 | 36697665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream[Redacted] that does not match the actual payment for the loan. | Documented escrows in file are $[Redacted]/mo for taxes and $[Redacted]/mo for HOI; however, escrow for HOI was set up at only $[Redacted]/mo. | Reviewer Comment (2026-06-11): CD received has matching information |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698539 | 3158636398 | 36697666 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Documented escrows in file are $[Redacted]/mo for taxes and $[Redacted]/mo for HOI; however, escrow for HOI was set up at only $[Redacted]/mo. | Reviewer Comment (2026-06-11): CD received has matching information |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698542 | 3158636403 | 36700463 | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-06-16): title policy received Buyer Comment (2026-06-16): Please see Title Policy Reviewer Comment (2026-06-11): closing instructions are not sufficient to resolve this issue. need supplemental title commitment or final title showing correct loan coverage Buyer Comment (2026-06-11): Do Not Concur - please review Instructions to Escrow/Title/Closing Agent, acknowledged by settlement agent - page 2 reflect Creditor's Title Policy is to be in the amount of $[Redacted] - page [Redacted] / [Redacted] |
06/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698542 | 3158636403 | 36700563 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Missing Payoff Statement for [Redacted]. | Reviewer Comment (2026-06-11): documentation in file is acceptable Buyer Comment (2026-06-11): Please review NTB disclosure in lieu of statement - page [Redacted] [Redacted] |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698543 | 3158636405 | 36712945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Documentation in file indicates borrowers received the appraisal [Redacted] which was less than 3 business days prior to closing. | Reviewer Comment (2026-06-11): appraisal ack received Buyer Comment (2026-06-11): Do Not Concur - appraisal acknowledgement in file page [Redacted] / [Redacted] also waiver [Redacted] /[Redacted] |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698543 | 3158636405 | 36712946 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | Unable to determine if the initial escrow account statement is compliant based on missing information. | The top of the disclosure image is cut off making the issue date unable to be determined. | Reviewer Comment (2026-06-11): full copy of disclosure received Buyer Comment (2026-06-11): Please review full copy |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698544 | 3158636408 | 36714542 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was missing in this file. | Reviewer Comment (2026-06-15): HOI policy received Buyer Comment (2026-06-15): See attached Hazard Policy |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698544 | 3158636408 | 36714562 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698544 | 3158636408 | 36714563 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698545 | 3158636410 | 36713330 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Wire Fee changed to $[Redacted] on the final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-11): valid COC in file Buyer Comment (2026-06-11): Do Not Concur - please review page [Redacted] / [Redacted] |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698547 | 3158636412 | 36704870 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment was not within 10 business days of the Note. There are two VVOE documents in file but are blank. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please see attached. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698547 | 3158636412 | 36704871 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment was not within 10 business days of the Note. There are two VVOE documents in file but are blank. | Reviewer Comment (2026-06-11): VVOE received Buyer Comment (2026-06-11): Please see attached. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698550 | 3158636416 | 36701433 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed | Documented property costs are [Redacted]/mo for HOI, $[Redacted] for taxes and $[Redacted] for HOA dues for a total of $[Redacted] per month or $[Redacted] annually. | 3 | C | C | C | C | C | C | C | C | C | C | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225698550 | 3158636416 | 36703307 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero 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. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225698550 | 3158636416 | 36703308 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698554 | 3158636421 | 36693292 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The Final 1003 document is missing from the file. | Reviewer Comment (2026-06-11): final 1003 received Buyer Comment (2026-06-11): Please review 1003 attached. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698554 | 3158636421 | 36693294 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing from the file. | Reviewer Comment (2026-06-11): hazard ins policy received Buyer Comment (2026-06-11): Please review Hazard policy attached. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698554 | 3158636421 | 36693329 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing from the file. | Reviewer Comment (2026-06-11): e-consent language in the initial 1003 is acceptable Buyer Comment (2026-06-11): Please review borrower's consent attached. I attest the redacted email address is the same borrowers email address as listed on the 1003. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698554 | 3158636421 | 36693348 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Disclosure was not in the file. | Reviewer Comment (2026-06-11): IEADs received Buyer Comment (2026-06-11): Please review attached IEADS. |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698554 | 3158636421 | 36693349 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698554 | 3158636421 | 36693350 | 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 of Rescission Disclosure is missing from the file. | Reviewer Comment (2026-06-11): RTC received Buyer Comment (2026-06-11): Please review attached Notice of Right to Cancels. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698555 | 3158636423 | 36700480 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): See attached Appraisal receipt |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AR | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698555 | 3158636423 | 36700481 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-06-15): appraisal receipt received Buyer Comment (2026-06-15): See attached Appraisal receipt |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AR | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698555 | 3158636423 | 36700483 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only complete CD in file is dated the same day as closing. The file does contain a CD dated [Redacted]; however, it is incomplete and has not been considered in testing. | Reviewer Comment (2026-06-16): initial CD received Buyer Comment (2026-06-16): Please see attached initial Closing Disclosure. Reviewer Comment (2026-06-15): CD received is incomplete, showing a [Redacted]% interest rate and a $[Redacted] monthly payment on page 1, along with no figures listed on the top of page 5 Buyer Comment (2026-06-15): See attached Initial CD |
06/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698555 | 3158636423 | 36700485 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 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 (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698558 | 3158636427 | 36695288 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence borrower was provided a copy of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-06-11): appraisal ack received Buyer Comment (2026-06-11): Do not concur. Please review document id D0356 PAGE 671. Appraisal acknowledgment. |
06/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698558 | 3158636427 | 36695290 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The transaction date for the loan is considered to be [Redacted] due to the date of the borrower signature on the final CD and the Notary signature date on the Security Instrument. Based on a transaction date of [Redacted], the earliest eligible disbursement date would have been [Redacted] and the loan disbursed prior to that date. | Reviewer Comment (2026-06-18): PCCD received Buyer Comment (2026-06-18): Pleas review uploaded PCCD |
06/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698559 | 3158636428 | 36714405 | 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. | Please provide a full copy of the Final CD. | Reviewer Comment (2026-06-12): complete copy of final CD received Buyer Comment (2026-06-12): Please review Closing Disclosure attached. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698559 | 3158636428 | 36714409 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698559 | 3158636428 | 36719261 | 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). | CD pages are cut off and incomplete. | Reviewer Comment (2026-06-12): complete copy of final CD received Buyer Comment (2026-06-12): Please review all pages CD attached. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698565 | 3158636441 | 36713051 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Most of the Security Instrument Pages received were blank, including the borrower signature page. | Reviewer Comment (2026-06-12): fully visible and executed copy of the SI received Buyer Comment (2026-06-12): Please review complete Security instrument |
06/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698565 | 3158636441 | 36713289 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698565 | 3158636441 | 36713290 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698566 | 3158636443 | 36697581 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to go in a securitization and reflects only one valuation product when two are required. | Reviewer Comment (2026-06-12): AVM supporting the appraisal value has been received Buyer Comment (2026-06-12): Please review Secondary valuation attached. |
06/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698566 | 3158636443 | 36697597 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698567 | 3158636445 | 36696122 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Appraisal Fee. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698570 | 3158636448 | 36712484 | 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). | Provide full copy of final CD. Copy received has the top of the pages cut off. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): See attached Final CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698570 | 3158636448 | 36712485 | 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. | Provide full copy of final CD. Copy received has the top of the pages cut off. | Reviewer Comment (2026-06-15): complete copy of final CD received Buyer Comment (2026-06-15): See attached Final CD |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698571 | 3158636450 | 36717509 | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | The RTC is cut off on the top of the page. Provide a fully visible copy of the disclosure. | Reviewer Comment (2026-06-15): RTC disclosures received Buyer Comment (2026-06-15): See attached Right of Rescission |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698572 | 3158636451 | 36691233 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The appraisal was sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements were provided. | Reviewer Comment (2026-06-09): appraisal delivery received Buyer Comment (2026-06-09): Do not concur. Please review document ID D0362 page 727 borrower receipt of the appraisal. |
06/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698572 | 3158636451 | 36691235 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure, issued on [Redacted], was received by borrower(s) on [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). | Reviewer Comment (2026-06-09): evidence of disclosure receipt received Buyer Comment (2026-06-09): Do not concur. Please review document ID D0416 page 134 Compliance Events Timeline, borrowers confirm receipt CD 3/23/2026. |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698572 | 3158636451 | 36693097 | 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 (2026-06-18): final title policy received Buyer Comment (2026-06-18): Please review Title attached. |
06/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698572 | 3158636451 | 36693100 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Reviewer Comment (2026-06-18): disclosure received Buyer Comment (2026-06-18): ABA disclosure attached. Buyer Comment (2026-06-18): Please review ABA disclosure tracking. Buyer Comment (2026-06-18): Please review ABA explanation attached. |
06/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698573 | 3158636454 | 36698710 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Citizenship Source Documentation was not provided | Reviewer Comment (2026-06-15): ID card received Buyer Comment (2026-06-15): See attached Resident Card |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698573 | 3158636454 | 36698765 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status was not provided | Reviewer Comment (2026-06-15): ID card received Buyer Comment (2026-06-15): See attached Resident Card |
06/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698573 | 3158636454 | 36698835 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-06-12): VVOE in file is acceptable Buyer Comment (2026-06-12): Please see VOE ([Redacted]) [Redacted]. are same company as referenced on paystub contact [Redacted]. |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698573 | 3158636454 | 36719026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the borrower dated within [Redacted] business days of the Note. | Reviewer Comment (2026-06-12): VVOE in file is acceptable |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698573 | 3158636454 | 36719027 | 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) Risk. | Waterfall finding due to missing a VVOE for the borrower dated within [Redacted] business days of the Note. | Reviewer Comment (2026-06-12): VVOE in file is acceptable |
06/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698573 | 3158636454 | 36719028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing a VVOE for the borrower dated within [Redacted] business days of the Note. | Reviewer Comment (2026-06-12): VVOE in file is acceptable |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698573 | 3158636454 | 36719029 | 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 finding due to missing a VVOE for the borrower dated within [Redacted] business days of the Note. | Reviewer Comment (2026-06-12): VVOE in file is acceptable |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698575 | 3158636459 | 36686240 | 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. | Waterfall finding due to the missing income documents for the borrower. | Reviewer Comment (2026-06-12): income documentation in file is acceptable Buyer Comment (2026-06-12): waterfall, responded to credit exception |
06/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698575 | 3158636459 | 36686241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | File is missing paystubs and 2 yrs most recent W2s or a full WVOE for the borrower. | Reviewer Comment (2026-06-12): income documentation in file is acceptable Buyer Comment (2026-06-12): waterfall, responded to credit exception |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698575 | 3158636459 | 36686243 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-06-12): initial CD received and sent to borrower timely Buyer Comment (2026-06-12): See attached initial CD Reviewer Comment (2026-06-11): file does not contain a CD dated [Redacted], please provide a copy of it Buyer Comment (2026-06-11): Initial CD sent electronically on [Redacted] |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698575 | 3158636459 | 36686244 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698575 | 3158636459 | 36712507 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing income documents for the borrower. | Reviewer Comment (2026-06-12): income documentation in file is acceptable Buyer Comment (2026-06-12): waterfall, responded to credit exception |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698575 | 3158636459 | 36712522 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing paystubs and 2 yrs most recent W2s or a full WVOE for the borrower. | Reviewer Comment (2026-06-12): income documentation in file is acceptable Buyer Comment (2026-06-12): [Redacted] income docs are in the [Redacted] file, for [Redacted] , that income is digitally verified, please refer to the TURBO/AUS findings that evidences that and find the procedures that allows for digital income verification on non-agency loans in [Redacted] |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698575 | 3158636459 | 36712537 | 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 finding due to the missing income documents for the borrower. | Reviewer Comment (2026-06-12): income documentation in file is acceptable Buyer Comment (2026-06-12): waterfall, responded to credit exception |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698577 | 3158636463 | 36691100 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not concur. Valid CICs for Loan points, [Redacted], and appraised value [Redacted]. LE disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698578 | 3158636464 | 36698872 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [Redacted] and [Redacted] W2s are missing for the co-borrower. | Reviewer Comment (2026-06-11): W2's received Buyer Comment (2026-06-11): See W2s |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698578 | 3158636464 | 36698874 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-06-11): W2's received Buyer Comment (2026-06-11): Waterfall |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698578 | 3158636464 | 36698895 | 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) Risk. | Waterfall finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-06-11): W2's received Buyer Comment (2026-06-11): Waterfall |
06/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698578 | 3158636464 | 36698896 | 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 finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-06-11): W2's received Buyer Comment (2026-06-11): Waterfall |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698578 | 3158636464 | 36698897 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing W2s for the co-borrower. | Reviewer Comment (2026-06-11): W2's received Buyer Comment (2026-06-11): Waterfall |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698580 | 3158636468 | 36712845 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698584 | 3158636474 | 36714507 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Reviewer Comment (2026-06-12): upon further review the CD data is correct Buyer Comment (2026-06-12): Please be more specific of this exception. Page 1 is correct |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698584 | 3158636474 | 36714508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-06-12): upon further review the CD data is correct Buyer Comment (2026-06-12): Please be more specific of this exception. Page 1 is correct |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698584 | 3158636474 | 36714512 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. 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 provided at closing. No valid COC provided for change. | Reviewer Comment (2026-06-12): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-12): Do not Concur. Valid CIC [Redacted] and complexity comments attached. LEv2 disclosed timely |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | ||||||||||
| 225698586 | 3158636477 | 36664815 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-10): desk review received |
06/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698587 | 3158636478 | 36664703 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in the file. | Reviewer Comment (2026-06-12): final title received Buyer Comment (2026-06-12): Final Title Provided |
06/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698587 | 3158636478 | 36664724 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earliest dated CD in file is dated [Redacted] with no evidence of receipt by the borrower and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-08): evidence of e-delivery of initial CD received Buyer Comment (2026-06-08): Do not Concur. The Initial CD was sent via [Redacted] [Redacted] Reviewer Comment (2026-06-08): comments and documentation provided refer to initial LE. this condition is for the initial CD Buyer Comment (2026-06-08): Do not Concur. The Initial LE was generated on [Redacted]. Due to the timing of cut off in the [Redacted] system the document will have the next day as the issue date. The LE was sent via [Redacted] on [Redacted] and uploaded in [Redacted] also |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | No Defined Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225698587 | 3158636478 | 36664725 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient 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 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698589 | 3158636480 | 36693814 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Unable to determine as all copies of the Right to Cancel in file are missing the signature section at the bottom. | Reviewer Comment (2026-06-10): full RTC received Buyer Comment (2026-06-10): Do Not Concur. Please see signed Notice of Right to Cancel form, signature page is page [Redacted]. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698589 | 3158636480 | 36693848 | Compliance | Compliance | Miscellaneous Compliance | TILA | (Doc Error) RTC Error: Right to Cancel signature date is blank. | All copies of the Right to Cancel in file are missing the signature section at the bottom. | Reviewer Comment (2026-06-10): full RTC received Buyer Comment (2026-06-10): Do Not Concur. Please see signed Notice of Right to Cancel form, signature page is page [Redacted]. |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225698593 | 3158636484 | 36714547 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-12): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-12): Do not Concur. [Redacted] received the appraisal/invoice and inspection was required on the bathroom. Valid CIC [Redacted]. Cdv2 disclosed timely |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698594 | 3158636485 | 36693923 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not concur. Valid CICs for loan amount and loan points [Redacted]. LEv3 disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | ||||||||||
| 225698594 | 3158636485 | 36693924 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 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 as $[Redacted] on the initial Loan Estimate but was disclosed as $[Redacted] on the final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-10): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-10): Do not Concur. Valid CICs for appraisal and complexity comments [Redacted]. LE disclosed timely |
06/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | ||||||||||
| 225698595 | 3158636487 | 36693966 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698596 | 3158636488 | 36714678 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698598 | 3158636493 | 36714483 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file is missing a copy of Initial escrow account statement. | Reviewer Comment (2026-06-15): disclosure not required Buyer Comment (2026-06-12): Invalid Exception. The IEADS is not in this file because the loan is non escrow. |
06/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225698598 | 3158636493 | 36714484 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-12): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-12): Do not Concur. Valid CICs for loan amount and purchase price [Redacted]. LEv2 disclosed timely. [Redacted] has incorrect amount for premium pricing. Should reflect $[Redacted]. No cure due back |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | ||||||||||
| 225698599 | 3158636494 | 36692877 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225698599 | 3158636494 | 36692879 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-06-17): final title policy received Buyer Comment (2026-06-17): Final Title Policy Provided |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698601 | 3158636497 | 36714161 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage shortfall is $[Redacted]. The provided RCE is incomplete; pages are cut off, making it impossible to determine the amount. Please provide the complete RCE. | Reviewer Comment (2026-06-17): RCE received, HOI coverage meets requrements Buyer Comment (2026-06-17): RCE provided |
06/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225698607 | 3158636504 | 36714398 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-12): Valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-12): Do not Concur. Valid CIC for interest rate and loan points [Redacted]. CDv2 disclosed timely |
06/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | ||||||||||
| 225698607 | 3158636504 | 36714400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-11): Fee tolerance cured at closing. |
06/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 |