CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G
Exhibit 99.1
Schedule 2(b) - Non-Seasoned Credit Compliance Report I
Exception Grades
Run Date - 6/17/2026 3:13:55 PM
| AMC Loan ID | Edgar 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 | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Final Loan Grade |
Credit Final Loan Grade |
Compliance Final Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| CMLTI 2026-LTV1-10331 | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Stated value of [Redacted] was supported by BPO [Redacted]. | 2 | B | [Redacted] | Second Home | Purchase | B | A | A | B | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||||||
| CMLTI 2026-LTV1-10331 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | B | A | A | B | Safe Harbor QM (APOR) | Exempt from ATR | Yes | ||||||||||||
| CMLTI 2026-LTV1-10009 | XXXX | 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 Flood Certification (Life Of Loan). Fee Amount of $8.60 exceeds tolerance of $7.00. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Closing Disclosure with no valid change evident. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Payment history and Corrected CD. Seller Comment [Redacted]: Please see attached Reviewer Comment [Redacted]: [Redacted]: Payment history for principal reduction is acceptable to cure this exception. But we also required PR for cure documents with consists of corrected CD, LOX and payment history to reflects Principal reduction for cure exceeding legal limits P.O.C. Lender or provide copy of refund check and LOE to borrower to complete remediation. Seller Comment [Redacted]: Can we provide a principal reduction instead of the refund check as it would be a faster process? Reviewer Comment [Redacted]: [Redacted] received PCCD with cure, missing copy of refund check and LOE. Please provide LOE and copy of refund check to cure the exception. Seller Comment [Redacted]: LE Seller Comment [Redacted]: CD Seller Comment [Redacted]: PCCD Seller Comment [Redacted]: LOE |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||||
| CMLTI 2026-LTV1-10009 | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Available assets are of [Redacted] which are insufficient for 6 months reserves requirements. | The representative FICO score is above 680. Borrower has verified disposable income of at least $2500.00. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. Reviewer Comment [Redacted]: Buyer to review. Lender exception at the time of origination not in file for not meeting reserve requirement. Seller Comment [Redacted]: LE Seller Comment [Redacted]: PCCD Seller Comment [Redacted]: CD Seller Comment [Redacted]: LOE |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10009 | XXXX | 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 $8.60 exceeds tolerance of $7.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||||
| CMLTI 2026-LTV1-10009 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated | Reviewer Comment [Redacted]: Waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10006 | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 8.13318% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2024) (an overage of [Redacted] or 3.13318%). | 2 | B | [Redacted] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | N/A | N/A | Yes | ||||||||||||||
| CMLTI 2026-LTV1-10005 | XXXX | 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. | Appraisal report dated [Redacted] is missing evidence of receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10005 | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.57963% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2024) (an overage of [Redacted] or .57963%). | Points and Fees total [Redacted] vs. an investor allowable total of [Redacted] for an overage of [Redacted] | 2 | B | [Redacted] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | N/A | N/A | Yes | |||||||||||||
| CMLTI 2026-LTV1-10007 | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 7.79648% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2025) (an overage of [Redacted] or 2.79648%). | Reviewer Comment [Redacted]: EV2 Seller Comment [Redacted]: This is Non-QM Investment property. Points and Fees would not apply to this loan |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10007 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] did not disclose a reason for not having an escrow account on page 4. | Reviewer Comment [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure. Seller Comment [Redacted]: LOE and PCCD attached Reviewer Comment [Redacted]: [Redacted] Received Corrected PCCD; however, LOE not received. Provide LOE to the borrower describing the changes made on PCCD. Seller Comment [Redacted]: See attached, escrow waiver was signed at closing |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10010 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.17770% or Final Disclosure APR of 9.28800% is equal to or greater than the threshold of APOR 7.07% + 1.5%, or 8.57000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. Investor to review for approval. | 3 | A | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10010 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.23148% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or .23148%). | 2 | B | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||||
| CMLTI 2026-LTV1-10008 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Buyer Comment [Redacted]: Seller accepts with no change in grading |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | 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. | [Redacted] CD indicates a total in section G for the initial escrow payment at closing of [Redacted] however, the Initial Escrow Account Disclosure reflects an initial deposit of [Redacted]. | 2 | B | [Redacted] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | B | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | A copy of borrower's non-permanent resident alien card not included in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. Reviewer Comment [Redacted]: Please provide valid authorization card for borrower [Redacted]. Seller Comment [Redacted]: ITIN, photo IDs including DL and EAD card |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | A copy of borrower's non-permanent resident alien card not included in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. Reviewer Comment [Redacted]: Please provide valid authorization card for borrower [Redacted]. Seller Comment [Redacted]: see ID docs uploaded |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.57177% or Final Disclosure APR of 8.75400% is equal to or greater than the threshold of APOR 6.86% + 1.5%, or 8.36000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. Investor to review for approval. | Reviewer Comment [Redacted]: Waived |
[Redacted] | 3 | A | [Redacted] | Primary | Purchase | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.49303% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or 1.49303%). | LD restated | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||||
| CMLTI 2026-LTV1-10013 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10014 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.46703% or Final Disclosure APR of 8.55600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.46703% or Final Disclosure APR of 8.55600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. | Reviewer Comment [Redacted]: Waived Seller Comment [Redacted]: notes on HPML |
[Redacted] | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10018 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.05316% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $221.82 or .05316%). | Reviewer Comment [Redacted]: EV2 Seller Comment [Redacted]: hi. is there anything else you need from us to clear this loan? |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10015 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated[Redacted]as received[Redacted]ith Note date of[Redacted]issing evidence of waiver. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10017 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.51936% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or 1.51936%). | Reviewer Comment [Redacted]: Waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10017 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.26192% or Final Disclosure APR of 9.27700% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%. Compliant Higher Priced Mortgage Loan. | Appraisal disclosure provided. | Reviewer Comment [Redacted]: waived Reviewer Comment [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.26192% or Final Disclosure APR of 9.27700% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%. Compliant Higher Priced Mortgage Loan. |
[Redacted] | 3 | A | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10333 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10333 | XXXX | 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 $500.00 exceeds tolerance of $325.00 plus 10% or $357.50. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | B | A | B | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. CU and LCA results are contradictory. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 131 | 3 | C | [Redacted] | Investment | Refinance - Rate/Term | C | B | B | C | N/A | N/A | No | ||||||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | 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. | [Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | B | C | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | [Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | B | C | N/A | N/A | No | |||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | 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. | [Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | B | C | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | 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. | [Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | B | C | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10334 | XXXX | 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 $198.00 exceeds tolerance of $96.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased on [Redacted] Closing Disclosure with no valid change evident, cure on Closing Disclosure was not sufficient for additional tolerance violation. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Payment History and Corrected CD. Seller Comment [Redacted]: cure Reviewer Comment [Redacted]: [Redacted]received rebuttal that credit supplement was required due to credit expiry however, the revised credit report in file is of dated [Redacted] but the fee was increased on LE dated [Redacted] which is not within required 3 business days. Please provide more information for timeline of cure would be required. Seller Comment [Redacted]: The loan application date is [Redacted], an updated credit report/supplemental was required. Fee increased from $96 to $110 The increase from $110 to $198 = $88 increase was cured at closing Reviewer Comment [Redacted]: [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment [Redacted]: COC |
[Redacted] | 2 | B | [Redacted] | Investment | 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 | C | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10335 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10337 | XXXX | 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 | Note Date: ___; Lien Position: ___ | UCDP missing in file, but an AVM was provided, which supports value. The AVM has an FSD score of 0.04 which does not meet Fitch criteria. | 2 | D | [Redacted] | Investment | Purchase | D | A | A | D | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10029 | XXXX | 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 $880.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10029 | XXXX | 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 $880.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10029 | XXXX | 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 $160.00 exceeds tolerance of $153.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10029 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment [Redacted]: Nothing required. Seller Comment [Redacted]: [Redacted] AMB: Please note that the borrower provided the necessary extension forms for their personal and business returns for [Redacted], attached below. This is acceptable per guidelines, please confirm what is still needed to clear this condition? |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10021 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt, | Reviewer Comment [Redacted]: EV2 Seller Comment [Redacted]: Proof appraisal was resent to borrowers and LOX stating loan file was restarted and the appraisal from the first file was reused on the new file. Reviewer Comment [Redacted]: [Redacted] report receipt needed to resolve. Seller Comment [Redacted]: The reason the Appraisal delivery date is [Redacted] is the appraisal was transferred from the old loan # [Redacted] to the new loan # [Redacted]. Reviewer Comment [Redacted]: Appraisal dated [Redacted] was not received [Redacted]. Effective date is not the date that is being compared. Seller Comment [Redacted]: Appraisal effective date is[Redacted], email date is [Redacted] Seller Comment [Redacted]: Proof appraisal sent to borrowers [Redacted] |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10340 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10340 | XXXX | 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 $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee. was added on closing Disclosure issued on [Redacted], with no valid change evident. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment [Redacted]: cure Reviewer Comment [Redacted]: [Redacted] Appraisal in file is date [Redacted] and Appraisal re-inspection fee added on CD dated [Redacted] is not within 3 days timeline. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment [Redacted]: COC regarding inspection fee |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10341 | XXXX | 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 | Note Date: ___; Lien Position: ___ | Reviewer Comment [Redacted]: EV2 |
[Redacted] | 2 | D | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10341 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $131.70 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed over disclosed by $131.70, Refund letter and Check made payable to borrower were provided however missing evidence of receipt. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment [Redacted]: Cure |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10341 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $131.70 compared to the calculated Finance Charge of [Redacted] which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance charge under disclosed by $131.70, Refund letter and Check made payable to borrower were provided however missing evidence of receipt. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment [Redacted]: Cure |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10341 | XXXX | 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 $144.50 exceeds tolerance of $116.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10026 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated[Redacted] with Note date of[Redacted] missing evidence of waiver. | Reviewer Comment [Redacted]: EV2 |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10027 | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Reserve requirements not met. Lender approved exception with verified compensating factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | [Redacted] ,Originator Pre-Close |
Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | B | B | A | A | N/A | N/A | No | |||||||||
| CMLTI 2026-LTV1-10027 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property type is XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Originator,[Redacted] | Reviewer Comment [Redacted]: Lender exception in file. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | B | B | A | A | N/A | N/A | No | ||||||||||
| CMLTI 2026-LTV1-10023 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment [Redacted]: waived Seller Comment [Redacted]: hi, anything needed from [Redacted] on this one? |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10291 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.17923% or Final Disclosure APR of 8.19600% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. Investor to review for approval. | Reviewer Comment [Redacted]: waived |
[Redacted] | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10033 | XXXX | 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 $372.90 exceeds tolerance of $244.00 plus 10% or $268.40. $104.50 over legal limit. Insufficient or no cure was provided to the borrower. | 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $104.50, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. Reviewer Comment [Redacted]: Received rebuttal response and documentation provided to explain difference in recording fee and other taxes amount disclosed on the[Redacted]initial LE to the[Redacted]final LE. Based on this information, $125 recording fee was incorrectly disclos[Redacted]mped into transfer taxes instead of including in the proper section (Recording Fee). Note, the SFA Grid provides that "While fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent across all disclosures and describes the actual service or function representing the cost. The regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers (37(f)(5)-1 ). Further, note that 1026.19(e)(3)(i) and (ii) provides that estimated closing costs disclosed under § 1026.19(e) is not in good faith if the charge paid by or imposed on the consumer exceeds the amount originally disclosed. Although the aggregate amount of transfer taxes and recording fees did not appear to increase based on documentation provided, these are 2 distinct charges and services and subject to different good faith tolerance categories. SFA TRID Grid Additional Considerations # 35 also states: "However, for distinctly different fees or fee descriptions that represent different costs or services or purpose, TPRs will NOT consider these the same fee(s) for tolerance testing purposes. Additional documentation or, if name was incorrectly disclosed on the CD, a revised disclosures to reflect actual name for fe[Redacted]rvices provided, will be required to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. A verbal explanation or rebuttal comment indicating that certain fees are the same will not be sufficient." As there is documentation to support the incorrect fee placement and recording fees and transfer taxes are within tolerance, exception has been regraded to EV2-B to acknowledge that there is supporting documentation provided that charges did not increase beyond tolerance, however, exception is cited as an EV2-B vs. cleared for visibility as the estimated amount for recording fee disclosed to the borrower on the LE versus the actual recording fee disclosed at consummation reflect an increase on the face of the disclosure resulting from incorrect fee placeme[Redacted]sclosure. Reviewer Comment [Redacted]: [Redacted] received valid rebuttal comment. However, the recording fee previously reported on the transfer taxes line and later it was moved to recording fee line is not a valid COC to re-baseline this exception. Provide valid COC for the fee was increased or Cure would be due to borrower. Buyer Comment [Redacted]: Please see attached. The recording fee did not change from the original LE to the final CD. A tax fee was moved from the transfer taxes to the recording fees, which made it appear the fees were increased. The attached documents are our pricing breakdown. The frist two pages are from[Redacted] You will see there are 3 recording fees ($52 + $192 + $125). The last page is from [Redacted] which also shows the 3 recording fees ($52 + $162 + $125). This confirms the fees did not incease from the first LE to the last CD. Please also see pages 119-123 of the loan file. The difference in the recording fees between the[Redacted]LE and the[Redacted]LE can be calculated by reviewing the transfer taxes. The[Redacted]LE is the first LE to add the $125 recording fee to the recording fee line. It had been previously reported on the transfer taxes line. This is why the transfer taxes decreases by $125 on the same LE the recording fees increase by the same amount. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10034 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.89048% or Final Disclosure APR of 7.85900% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10034 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10035 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10039 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Regraded to EV2-B as the Revised LE issued [Redacted] missing proof of receipt within 4 business days prior to closing, but Final LE [Redacted] was received at least 4 business days prior to closing. | Buyer Comment [Redacted]: seller accepts; no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| CMLTI 2026-LTV1-10040 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10041 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.77038% or Final Disclosure APR of 7.77300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10041 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 7.77038% or Final Disclosure APR of 7.77300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Loan. | 3 | A | [Redacted] | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| CMLTI 2026-LTV1-10042 | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10045 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10046 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10049 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges the exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10053 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10062 | XXXX | 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. | Earlier receipt was not provided. | 2 | B | [Redacted] | Primary | Purchase | No Defined Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10069 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10076 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal 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 provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | 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. | Issue date was left blank on incomplete Closing Disclosure, it appears issue date was[Redacted] due to time stamp, Missing affidavit from lender that this disclosure was never provided to consumer. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | 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. | Issue date was left blank on incomplete Closing Disclosure, it appears issue date was[Redacted] due to time stamp, Missing affidavit from lender that this disclosure was never provided to consumer. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular 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. | Incomplete Closing Disclosures printed[Redacted] and[Redacted] are missing APR. Missing affidavit from lender that these disclosures was never provided to consumer. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | No Defined Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | 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. | Incomplete Closing Disclosure printed [Redacted] has incorrect product. Missing affidavit from lender that this disclosure was never provided to consumer. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | No Defined Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Incomplete Closing Disclosure printed[Redacted] is prior to Loan Estimate. Missing affidavit from lender that this closing disclosure was never provided to consumer. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | No Defined Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. | Reviewer Comment [Redacted]: EV2 may remain open. Seller Comment [Redacted]: Please see response from Underwriting. |
2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10078 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated[Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Second Home | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10342 | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Prelim title is blank | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10342 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10344 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10351 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of receipt. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10351 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of receipt. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10351 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $75.00 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed over-disclosed $75.00. It appears lender did not include Tax Service Fee as finance charge. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Seller Comment [Redacted]: NRTC Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copy of unexecuted RTC. FedEx tracking does not reflect the package has been delivered to borrower, in order to finalize the reopening of rescission portion of the cure, must provide proof of delivery of the package and must be at least 3 business days prior to the [Redacted] cancel by date shown on the RTC. Seller Comment [Redacted]: cure |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10351 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $75.00 compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge underdisclosed $75.00. It appears lender did not include Tax Service Fee as finance charge. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copy of unexecuted RTC. FedEx tracking does not reflect the package has been delivered to borrower, in order to finalize the reopening of rescission portion of the cure, must provide proof of delivery of the package and must be at least 3 business days prior to the [Redacted] cancel by date shown on the RTC. Seller Comment [Redacted]: cure |
[Redacted] | 2 | B | [Redacted] | 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) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10352 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10353 | XXXX | 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 on Final Closing Disclosure provided on [Redacted] are underdisclosed | Page 1 of closing disclosure issued [Redacted] indicates no escrows. However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses. | Reviewer Comment [Redacted]: Cured prior to discovery. Reviewer Comment [Redacted]: [Redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. Seller Comment [Redacted]: Post CD |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10353 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page 1 of closing disclosure issued [Redacted] indicates no escrows. However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses. | Reviewer Comment [Redacted]: Cured prior to discovery. Seller Comment [Redacted]: Post CD |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10353 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page 1 of closing disclosure issued [Redacted] indicates no escrows. However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses. | Reviewer Comment [Redacted]: Cured prior to discovery. Seller Comment [Redacted]: Post CD |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10353 | XXXX | 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 $446.03 compared to the calculated total of payments of [Redacted] which exceeds the $100.00 threshold. | Cured on closing disclosure issued [Redacted] however no evidence of refund provided. | Reviewer Comment [Redacted]: Exception was cured prior to discovery. Seller Comment [Redacted]: pccd, lloe check, label Reviewer Comment [Redacted]: PCCD has been provided for review, please provide LOE, Proof of mailing and copy of refund check to complete cure. Seller Comment [Redacted]: response Reviewer Comment [Redacted]: [Redacted] recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure. This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information. Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on a dry state). The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation. [Redacted] reviews pursuant to the SFA TRID Grid, Additional Considerations, Row 20, which provides: Post Close CD - Material Disclosures Accuracy Test: Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, TPRs will assume at initial review that fee changes reflected on PCCDs are corrections (similar to corrected HUD-1s), not updates of fees resulting from changes occurring after closing (lender incorrectly disclosed fees they were aware of or should have been aware of on final CD and issued a PCCD reflecting actual fees that should have been disclosed on final CD). Accordingly, TPR will calculate the APR, Finance Charge and TOP based on corrected fees on PCCD and cite exceptions if APR, Finance Charge and TOP disclosed on final CD are inaccurate based on fees shown on PCCD, an EV3-C exception will be cited if APR, Finance Charge, TOP on final CD are outside of tolerance for accuracy based on fees on most recent PCCD issued within 60 days of consummation (PCCD greater than 60 days from consummation will require accompanying ALTA settlement statement to confirm figures disclosed to be used for testing) unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender cred[Redacted]re for the amount of the increase in fees paid by borrower reflected on PCCD; Otherwise, TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required. If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, [Redacted] will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation. Seller Comment [Redacted]: Mavent ran using Post CD |
[Redacted] | 2 | B | [Redacted] | 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) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10354 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10356 | XXXX | 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 $745.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower. | Appraisal Fee increased on Loan Estimate[Redacted] with no valid reason evident. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10357 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10357 | XXXX | 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. | Evidence of AVM receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10358 | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Proposed policy amount is not disclosed on preliminary title report. Final policy not provided. | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10359 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10360 | XXXX | 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 $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10360 | XXXX | 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 1 that does not match the actual payment for the loan. | Cured on PC CD. | Reviewer Comment [Redacted]: Cured on PC CD. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10360 | XXXX | 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. | Cured on PC CD. | Reviewer Comment [Redacted]: Cured on PC CD. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10032 | XXXX | 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. | Evidence of appraisal receipt not provided. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10274 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.85463% or Final Disclosure APR of 7.90900% is equal to or greater than the threshold of APOR 6.24% + 1.5%, or 7.74000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10274 | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
[Redacted] | Reviewer Comment [Redacted]: The client elects to waive. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| CMLTI 2026-LTV1-10276 | XXXX | 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. | Buyer Comment [Redacted]: Seller acknowledges the exception, no change to grading. Please see attached confirming when the LE was viewed. Website |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10277 | XXXX | 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 Title - Lender's Title Insurance. Fee Amount of $783.13 exceeds tolerance of $773.00. $10.13 over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance Fee was last disclosed as $773.00 on the Loan Estimate, but was disclosed as $783.13 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $10.13, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: Please see the attached redisclosure package. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10279 | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10282 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $386.25 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed an amount financed of [Redacted]; calculated amount financed is [Redacted]. Variance is $386.25. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment [Redacted]: Please see the attached redisclosure package. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10282 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $382.65 compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed a finance charge of [Redacted]; calculated finance charge is [Redacted]. Variance is $35.00. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment [Redacted]: Please see the attached redisclosure package. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10297 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $165.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10092 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by [Redacted] compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed overstated by $4,510, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery. Seller Comment [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened Reviewer Comment [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment [Redacted]: Disagree, there is not material changes and at the time of funding the borrower was provided the tolerance cure for the increase. Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize. Seller Comment [Redacted]: Please see attached PCCD Reviewer Comment [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement. As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation. Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers. This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements. Seller Comment [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10092 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redacted] is under disclosed by [Redacted] compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge understated by $4,510, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery. Seller Comment [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened Reviewer Comment [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize. Seller Comment [Redacted]: Please see attached PCCD Reviewer Comment [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement. As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation. Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers. This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements. Seller Comment [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points. |
[Redacted] | 2 | B | [Redacted] | 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) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10092 | XXXX | 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 $35.00 threshold. | Total of Payments understated by $4,860, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery. Seller Comment [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened Reviewer Comment [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Reviewer Comment [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize. Seller Comment [Redacted]: Please see attached PCCD Reviewer Comment [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement. As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation. Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers. This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements. Seller Comment [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points. |
[Redacted] | 2 | B | [Redacted] | 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) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10092 | XXXX | 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 Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10097 | XXXX | 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 $247.01 exceeds tolerance of $146.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased on the [Redacted] CD. The file did not contain a valid Change of Circumstance for the increased Credit Report Fee. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10058 | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Gap Credit Report within 10 days of closing is missing from file. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to waive with verified compensation factors Buyer Comment [Redacted]: see attached |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | B | Non QM | Non QM | No | |||||||||||
| CMLTI 2026-LTV1-10058 | XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Payee for fees reflects TBD. | Buyer Comment [Redacted]: [Redacted] elects to waive |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | B | B | Non QM | Non QM | No | |||||||||||
| CMLTI 2026-LTV1-10058 | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Transfer letter not provided | Buyer Comment [Redacted]: [Redacted] elects to waive |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | B | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10058 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal not in lender's name and transfer letter not provided | Buyer Comment [Redacted]: [Redacted] elects to waive |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | B | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10362 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10052 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was provided at closing. Missing evidence of earlier receipt. | Buyer Comment [Redacted]: Acknowledged non material EV2 |
[Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | N/A | No | |||||||||||||
| CMLTI 2026-LTV1-10080 | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock agreement missing in the file | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10080 | XXXX | 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 [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10081 | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Application date is [Redacted] and disclosure was dated [Redacted]. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10081 | XXXX | 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 [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10089 | XXXX | 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 $785.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10305 | XXXX | 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 $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee added to CD on [Redacted], with no valid change of circumstance provided. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: LOX, refund check, delivery, and PCCD attached Reviewer Comment [Redacted]: [Redacted] received COC dated [Redacted], however fee added on [Redacted] CD which is not within 3 days of COC. Please provide any missing CD sent within 3 days of COC for further analysis. Buyer Comment [Redacted]: attached |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Non QM | Non QM | Yes | |||||||||||
| CMLTI 2026-LTV1-10305 | XXXX | 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 Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | 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) | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10119 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.31505% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or .31505%). | Reviewer Comment [Redacted]: Waived without regrading, nothing required. |
[Redacted] | 2 | B | [Redacted] | Second Home | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10119 | XXXX | 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 $281.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10119 | XXXX | 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 $1.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||
| CMLTI 2026-LTV1-10392 | XXXX | 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 $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | EV1. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10392 | XXXX | 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. | EV1. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10392 | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Most recent credit report mid score drifted down to 715, lower than initial report with 728. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| CMLTI 2026-LTV1-10392 | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Waterfall due to FICO. | Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrower has verified disposable income of at least $2500.00. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| CMLTI 2026-LTV1-10394 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10366 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10366 | XXXX | 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 $885.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10367 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10369 | XXXX | 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 | Note Date: ___; Lien Position: ___ | Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value. The AVM has an FSD score of 0.09 which does not meet Fitch criteria. | 2 | D | [Redacted] | Primary | Purchase | D | A | A | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10371 | XXXX | 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. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10373 | XXXX | 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 $250.00 exceeds tolerance of $222.00 plus 10% or $244.20. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10374 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10377 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10377 | XXXX | 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. | AVM missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10379 | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | 2 | B | [Redacted] | Primary | Purchase | B | A | A | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10380 | XXXX | 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 Title - Abstract / Title Search. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10381 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10382 | XXXX | 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 | Note Date: ___; Lien Position: ___ | Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value. The AVM has an FSD score of 0.01 which does not meet Fitch criteria. | 2 | D | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10382 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10382 | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| CMLTI 2026-LTV1-10384 | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Homeowners insurance policy has an effective date of [Redacted] and started after the loan funded on [Redacted]. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
[Redacted] | Reviewer Comment [Redacted]: Client elects to downgrade based on compensating factors. Reviewer Comment [Redacted]: Insurer will not provide no claims letter. Buyer to review. Seller Comment [Redacted]: Lender & insurer response Reviewer Comment [Redacted]: Letter stating no claims have been made needs to come from the insurer and not the borrower. Seller Comment [Redacted]: Letter stating no claims during this period |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| CMLTI 2026-LTV1-10387 | XXXX | 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 | Note Date: ___; Lien Position: ___ | Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value. The AVM has an FSD score of .12 which does not meet Fitch criteria. | 2 | D | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10387 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10387 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10389 | XXXX | 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 $800.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10390 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10302 | XXXX | 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]. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Taxes were increased on the CD dated [Redacted], with no valid change provided. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: PCCD + CURE |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Non QM | Non QM | Yes | |||||||||||
| CMLTI 2026-LTV1-10168 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | Reviewer Comment [Redacted]: The acknowledgement reflect an either statement where there is no checkmark or signature explicitly showing which statement they are acknowledging. This is a grade 2 exception non material. Seller Comment [Redacted]: Invalid finding - Appraisal Valuation Acknowledgment signed [Redacted] by borrowers confirming receipt of each valuation report 3 or more business days prior to closing on page 443. |
2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10174 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10175 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10176 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10176 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10178 | XXXX | 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 Fee. Fee Amount of $139.05 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee was added on closing disclosure issued [Redacted], change of circumstance stated loan amount changed, however points were increased outside of ratio. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10190 | XXXX | 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. | Evidence of receipt of earlier report was provided; however, receipt of report dated [Redacted] was not provided. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10190 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10186 | XXXX | 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. | A copy of the appraisal is required to be delivered to the borrower within 3 business days of closing. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10187 | XXXX | 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. | Evidence of appraisal receipt was not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10188 | XXXX | 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. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10189 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10166 | XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided | The notary date shown on the Security Instrument is [Redacted] which is incorrect. Please provide a corrected Security Instrument along with a correct notary date and evidence the Security Instrument has be re-recorded. | Seller Comment [Redacted]: Level 2 finding-remain in Seller status until final reporting Seller Comment [Redacted]: Level 2 finding - Buyer to review |
2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10167 | XXXX | 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 $268.75 exceeds tolerance of $260.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10172 | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock Agreement not provided. | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10172 | XXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of [Redacted] does not match calculated P&I of [Redacted]. Note P&I was used for the APR calculation and compliance testing. | Based on the Note and Final Closing Disclosure the P&I is [Redacted]. However, calculated at [Redacted]. | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10172 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10170 | XXXX | 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 updated Appraisal report dated [Redacted] is missing evidence of borrower receipt. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10170 | XXXX | 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. | HOA/Condo Questionnaire Fee [Redacted] was changed to [Redacted] on closing disclosure [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10185 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10185 | XXXX | 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. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | B | A | B | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10181 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing receipt of [Redacted] report was not provided. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10182 | XXXX | 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. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||
| CMLTI 2026-LTV1-10415 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated[Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10414 | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | [Redacted] Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. | Missing the [Redacted] Escrow Responsibility Disclosure dated within 3 business days from the application date. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10416 | XXXX | 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 Field 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 Field 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 [Redacted]: [Redacted] received PCCD, LOE and payment history for principal reduction of cure. Seller Comment [Redacted]: cure |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10416 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10417 | XXXX | 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 [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10417 | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | The lender listed on the appraisal is [Redacted] rather than actual lender [Redacted] and no appraisal transfer letter was provided. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10417 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of borrower receipt. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10417 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of borrower receipt. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10417 | XXXX | 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 Attorney Review Fee. Fee Amount of [Redacted] exceeds tolerance of $0.00. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review fee amount of [Redacted] exceeds tolerance of $0.00. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Seller Comment [Redacted]: cure |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10311 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.81253% or Final Disclosure APR of 7.81000% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| CMLTI 2026-LTV1-10311 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 7.81253% or Final Disclosure APR of 7.81000% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%. Compliant Higher Priced Loan. | 3 | A | [Redacted] | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10312 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73014% or Final Disclosure APR of 7.75200% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10312 | XXXX | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.73014% or Final Disclosure APR of 7.75200% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000% Compliant Higher Priced Loan. | Buyer Comment [Redacted]: Waived. |
[Redacted] | 3 | B | [Redacted] | Primary | Purchase | No obvious cure | B | A | B | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10318 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.52227% or Final Disclosure APR of 7.85000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10318 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 7.52227% or Final Disclosure APR of 7.85000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%. Compliant Higher Priced Loan. | Compliant, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
A | A | A | A | Non QM | Non QM | No | |||||||||||||
| CMLTI 2026-LTV1-10396 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10396 | XXXX | 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 Certification Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10419 | XXXX | 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 $219.30 exceeds tolerance of $99.00. $120.30 over legal limit. Insufficient or no cure was provided to the borrower. | Fee was increased on Loan Estimate issued[Redacted]ith no valid change evident. | Reviewer Comment [Redacted]: [Redacted] received PCCD, LOE and payment history for principal reduction of cure. Seller Comment [Redacted]: cure |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10420 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10420 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10420 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10420 | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Application date is [Redacted] and disclosure was dated [Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10397 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10398 | XXXX | 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 | Note Date: ___; Lien Position: ___ | 2 | D | [Redacted] | Primary | Purchase | D | A | A | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10400 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10402 | XXXX | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Percent and Amount Testing | [Redacted] Late Charge: Note late charge amount of [Redacted] exceeds the state maximum of $100. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10403 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10404 | XXXX | 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. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10421 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10405 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10405 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10405 | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | The AVM value is $1,269,346, the CDA provided value of $1,415,000 supports the origination value of $1,415,000. | Reviewer Comment [Redacted]: Waived |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| CMLTI 2026-LTV1-10423 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10406 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10406 | XXXX | 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. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10407 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10408 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10408 | XXXX | 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 | Note Date: ___; Lien Position: ___ | 2 | D | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10408 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10409 | XXXX | 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 | Note Date: ___; Lien Position: ___ | 2 | D | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10409 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10409 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | 2 | B | [Redacted] | Primary | Purchase | D | A | B | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10411 | XXXX | 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. | Evidence of appraisal receipt not provided. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10426 | XXXX | 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 file was missing evidence the Right to Receive Appraisal Disclosure provided to borrower within 3 days of initial application. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10412 | XXXX | 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. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10434 | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Lender's Initial 1003 not provided. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Non QM | Non QM | No | |||||||||||||||
| CMLTI 2026-LTV1-10436 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | A | N/A | N/A | No | |||||||||||||||
| CMLTI 2026-LTV1-10436 | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.86625% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 1.86625%). | FNMA Points and Fees on subject loan of 6.86625% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 1.86625%). | Reviewer Comment [Redacted]: Client elects to waive EV2. |
[Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10436 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved and requested exception for deductible on earthquake policy (15% current, max deductible 10%). Compensating factors: full doc loan, no lates on primary and subject mortgages, excellent credit with 727 FICO, reducing interest rate, rate-term refinance. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has been employed in the same industry for more than 5 years. Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided in file. Seller Comment [Redacted]: Allowed earthquake deductible of 15%. To note the borrower is not required to carry earthquake insurance but has opted to do so - deemed non-material. Reviewer Comment [Redacted]: Subject loan is a R/T refinance of an investment property and not DSCR. Seller Comment [Redacted]: This is a business purpose transaction that is exempt from TIL[Redacted]ID. Federal Compliance tests should not apply. |
[Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | A | N/A | N/A | No | ||||||||||
| CMLTI 2026-LTV1-10436 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved and requested exception: property is ineligible due to not being readily accessible by roads that meet local standards. Compensating factors: full doc loan, no lates on primary and subject mortgages, excellent credit with 727 FICO, reducing interest rate, rate-term refinance. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has been employed in the same industry for more than 5 years. Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided in file. Seller Comment [Redacted]: Property is on [Redacted]. All comparables are in the town of [Redacted] (same as subject) and are in very close proximity to the subject and not marketability concerns noted. Per photos within appraisal there are clearly XXXX as well as XXXX in view on the subject street. The XXXX between [Redacted] is a passenger XXXX only and does not support auto, which supports the finding and exceptio[Redacted]iver provided. The home is on an accessible XXXX road within the XXXX. Reviewer Comment [Redacted]: Subject loan is a R/T refinance of an investment property and not DSCR. Seller Comment [Redacted]: This is a business purpose transaction that is exempt from TIL[Redacted]ID. Federal Compliance tests should not apply. |
[Redacted] | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | A | N/A | N/A | No | ||||||||||
| CMLTI 2026-LTV1-10435 | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | [Redacted] | Investment | Purchase | B | B | B | A | N/A | N/A | No | ||||||||||||||||
| CMLTI 2026-LTV1-10435 | XXXX | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Grace Period Testing | [Redacted] Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. | Note: Grace period of 5 days is less than the state minimum of 10 days. | 2 | B | [Redacted] | Investment | Purchase | B | B | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10435 | XXXX | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Percent Testing | [Redacted] Late Charge: Note late charge percent of 10.00000% exceeds the state maximum of 5%. | Note: Late charge percent of 10.00000% exceeds the state maximum of 5%. | 2 | B | [Redacted] | Investment | Purchase | B | B | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10435 | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception approved at origination for loan amount [Redacted] less than guideline minimum [Redacted]. Compensating factors: more than 10 months reserves, <36% DTI. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redacted]. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception with compensating factors. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | B | B | B | A | N/A | N/A | No | |||||||||
| CMLTI 2026-LTV1-10433 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.26144% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or .26144%). | 2 | B | [Redacted] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | Non QM | Non QM | Yes | ||||||||||||||
| CMLTI 2026-LTV1-10432 | XXXX | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Grace Period Testing | [Redacted] Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. | Late change details in note: 5 days grace period is less than state minimum of 10 days. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10432 | XXXX | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Percent and Amount Testing | [Redacted] Late Charge: Note late charge amount of [Redacted] exceeds the state maximum of $100. | Note late charge amount of [Redacted] exceeds the state maximum of [Redacted]. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10432 | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 10.11392% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 5.11392%). | Points and Fees total [Redacted] versus an investor allowable total of [Redacted] for an overage of [Redacted]. | Reviewer Comment [Redacted]: Client elects to waive EV2. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10430 | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide the List of Homeownership Counseling Organizations to the borrower. | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10429 | XXXX | 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. | Disclosure signed at closing with no evidence of Notice receipt at least 3 days prior to closing. | 2 | B | [Redacted] | Second Home | Purchase | B | B | B | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10429 | XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.43492% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or .43492%). | 2 | B | [Redacted] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | A | Non QM | Non QM | Yes | ||||||||||||||
| CMLTI 2026-LTV1-10429 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for FTHB purchasing a second home. Compensating factor: borrower has been with current employer for over 20 years, has resided in current residence for 18 years, good credit with 734 FICO. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redacted]. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided in file |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | B | B | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10429 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject unit requirement minimum of (1) bedroom. Compensating factor: borrower has been with current employer for over 20 years, has resided in current residence for 18 years, good credit with 734 FICO. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [Redacted]. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender exception provided in file |
[Redacted] | 2 | B | [Redacted] | Second Home | Purchase | B | B | B | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10120 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of appraisal receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10121 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | 2 | A | [Redacted] | Second Home | Purchase | A | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||||||
| CMLTI 2026-LTV1-10122 | XXXX | 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 $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% fee violation due to an increase in the Recording Fee, Transfer Tax and State Tax / Stamps fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $60.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10123 | XXXX | 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. | On received final closing disclosure both the option was checked for partial payment on page 4 | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation & Corrected CD Seller Comment [Redacted]: See attached LOE for review Reviewer Comment [Redacted]: [Redacted] received corrected PCCD. LOE and proof of mailing are still required to cure. Seller Comment [Redacted]: See attached. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10127 | XXXX | 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 $341.50 exceeds tolerance of $310.00 plus 10% or $341.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $341.50 exceeds tolerance of $310.00 plus 10% or $341.00. No Valid Change circumstance in file. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10128 | XXXX | 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 Note. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10129 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | A | N/A | N/A | No | |||||||||||||||
| CMLTI 2026-LTV1-10129 | XXXX | 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. | Evidence of appraisal not provided. | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10130 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of the borrower's receipt of the appraisal is missing from the file. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10153 | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment [Redacted]: Provided document is Fee Comparison Checklist, require Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Exception remains. Seller Comment [Redacted]: see attached |
2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10155 | XXXX | 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 initial Notice of Special Flood Hazard was not provided within a reasonable time prior to closing. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10131 | XXXX | 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. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10131 | XXXX | 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 [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10132 | XXXX | 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 $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10133 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Receipt dated [Redacted], however appraisal report dated [Redacted]. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10135 | XXXX | 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 Title - Recording Service Fee. Fee Amount of $10.65 exceeds tolerance of $10.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10137 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | |||||||||||||||
| CMLTI 2026-LTV1-10158 | XXXX | 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 $695.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | Investment | 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) | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10158 | XXXX | 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 Credit Report Fee. Fee Amount of $499.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | Investment | 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) | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10158 | XXXX | 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 Reinspection Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment [Redacted]: Sufficient Cure Provided within 60 Days of Closing |
[Redacted] | 1 | A | [Redacted] | Investment | 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) | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10139 | XXXX | 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 $135.56 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $135.56 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10125 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10159 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | |||||||||||||||
| CMLTI 2026-LTV1-10159 | XXXX | 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]. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. $50.00 over legal limit. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $50.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review Seller Comment [Redacted]: see attached |
[Redacted] | 1 | B | [Redacted] | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10159 | XXXX | 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]. $13.50 over legal limit. Insufficient or no cure was provided to the borrower. | Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. $13.50 over legal limit.No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review Seller Comment [Redacted]: see attached |
[Redacted] | 1 | B | [Redacted] | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10161 | XXXX | 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. | AVM report dated [Redacted] missing evidence of receipt. | Reviewer Comment [Redacted]: Receipt of appraisal delivery is not provided exception remains. Seller Comment [Redacted]: see attached |
2 | B | [Redacted] | Second Home | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10161 | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD Restated | 2 | B | [Redacted] | Second Home | Refinance - Rate/Term | B | A | B | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10145 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted], missing evidence of waiver. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10145 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10146 | XXXX | 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. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10147 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10147 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10162 | XXXX | 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 Re-Issue Fee. Fee Amount of $17.00 exceeds tolerance of $15.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10149 | XXXX | 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 updated Appraisal report dated [Redacted] is missing evidence of borrower receipt. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10152 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of borrower's receipt. | 2 | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10144 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 2 | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10160 | XXXX | 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. | 2 | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| CMLTI 2026-LTV1-10160 | XXXX | 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]. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment [Redacted]: Please see attached copy of the email from the borrower confirming receipt Reviewer Comment [Redacted]: [Redacted] received corrected PCCD, LOE and copy of refund check. However, Proof of mailing was not located in trailing documents. Proof of mailing is required to borrower to complete remediation. Seller Comment [Redacted]: Please see attached. Reviewer Comment [Redacted]: [Redacted] received Copy of refund check and LOX. However, we would also require Post CD and Proof of mailing in order to cure the exception. Seller Comment [Redacted]: Please see attached |
[Redacted] | 2 | B | [Redacted] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10307 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.90777% or Final Disclosure APR of 7.92800% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Refinance - Cash-out - Other | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| CMLTI 2026-LTV1-10307 | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10301 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.65935% or Final Disclosure APR of 8.72800% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| CMLTI 2026-LTV1-10314 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.49557% or Final Disclosure APR of 8.57000% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10314 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 8.49557% or Final Disclosure APR of 8.57000% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%. Compliant Higher Priced Loan. | Compliant, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
A | A | A | A | Non QM | Non QM | No | |||||||||||||
| CMLTI 2026-LTV1-10313 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 7.75114% or Final Disclosure APR of 7.81600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Loan. | Compliant, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
A | A | A | A | Non QM | Non QM | No | |||||||||||||
| CMLTI 2026-LTV1-10313 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.75114% or Final Disclosure APR of 7.81600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10115 | XXXX | 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. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | |||||||||||||||
| CMLTI 2026-LTV1-10107 | XXXX | 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 evidence of appraisal being sent to borrower 3 days prior to closing. | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10110 | XXXX | 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 $70.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10113 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. | 2 | B | [Redacted] | Second Home | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10104 | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. | 2 | B | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | N/A | N/A | No | ||||||||||||||
| CMLTI 2026-LTV1-10116 | XXXX | 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 $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review Seller Comment [Redacted]: The cure is in the final CD signed at Close. Please waive. |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | N/A | N/A | Yes | |||||||||||
| CMLTI 2026-LTV1-10116 | XXXX | 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 $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Investment | Purchase | Final CD evidences Cure | B | A | B | A | N/A | N/A | Yes | ||||||||||||
| CMLTI 2026-LTV1-10106 | XXXX | 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 $625.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10000 | XXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure issued on [Redacted] was (received/signed) by borrower on [Redacted]. | Reviewer Comment [Redacted]: waived |
[Redacted] | 2 | B | [Redacted] | Investment | Purchase | B | A | B | A | Non QM | N/A | No | ||||||||||||
| CMLTI 2026-LTV1-10002 | XXXX | 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 $598.50 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10196 | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Counseling Agencies Disclosure Not in File | [Redacted] HB1399 - No evidence of required counseling disclosure language per [Redacted] HB 1399. | Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10199 | XXXX | 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 $-19.00. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$19.00 on the Loan Estimate but was disclosed as $0.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $19.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: Please see attached, PCCD packet and cure check for the violation. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10201 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $220.00 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Buyer Notary Fee was not included as finance charge. Additionally, State UCC was included as finance charge. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10201 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $216.44 compared to the calculated Finance Charge of [Redacted] which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Buyer Notary Fee was not included as finance charge. Additionally, State UCC was included as finance charge. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment [Redacted]: Please see the attached corrected closing disclosure. Loan is a purchase, no recission required. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10206 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10209 | XXXX | 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 $153.00 exceeds tolerance of $0.00. $153.00 over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee was reflected as paid by the Lender until the final Closing Disclosure. Please provide explanation for the reason for the re-allocation of the lender paid fees at the time of closing. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: Please see uploaded documents PCCD and check to cover the tolerance violation referenced. Reviewer Comment [Redacted]: [Redacted] received rebuttal comment and as per referred itemization the Appraisal Review fee of $153 was paid by seller but as per final CD dated [Redacted] the fee was updated as paid by borrower and included in cash to close. If the fee is paid by seller please provide corrected PCCD and LOE with updated fee as paid by seller along with the copy of true and certified final SS to validate the same. Buyer Comment [Redacted]: Please see page 270 of the loan file. The CD addendum confirms the Appraisal review fee was covered by a seller credit. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10211 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | [Redacted] | 2 | B | [Redacted] | Primary | Purchase | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10221 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | [Redacted] | 2 | B | [Redacted] | Primary | Purchase | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10221 | XXXX | 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 $153.00 exceeds tolerance of $0.00. $153.00 over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee was initially disclosed on the revised Closing Disclosure issued [Redacted] as $153.00 paid by the lender but was disclosed on the Final Closing Disclosure as $153.00 paid by the borrower. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $153.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: Please see the attached proof of delivery. Reviewer Comment [Redacted]: [Redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment [Redacted]: Please see the attached redisclosure package. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10231 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | [Redacted] | 2 | B | [Redacted] | Primary | Purchase | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10234 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading Reviewer Comment [Redacted]: Final title policy provided as it reflects insufficient coverage of $[Redacted]Please provide revised title evidencing coverage of $[Redacted]Exception remains. Buyer Comment [Redacted]: Please see a copy of the final title policy attached |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| CMLTI 2026-LTV1-10239 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment [Redacted]: Seller acknowledges. No change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10245 | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | [Redacted] | 2 | B | [Redacted] | Primary | Purchase | Good Faith Redisclosure | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| CMLTI 2026-LTV1-10250 | XXXX | 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 $870.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10250 | XXXX | 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 $203.40 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment [Redacted]: Sufficient Cure Provided At Closing |
[Redacted] | 1 | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| CMLTI 2026-LTV1-10252 | XXXX | 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 [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10252 | XXXX | 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 $410.00 exceeds tolerance of $310.00 plus 10% or $341.00. $69.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $69.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment [Redacted]: Please see attached, PCCD and check to address the tolerance violation |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| CMLTI 2026-LTV1-10258 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment [Redacted]: Seller acknowledges exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10260 | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Counseling Agencies Disclosure Not in File | [Redacted] HB1399 - No evidence of required counseling disclosure language per [Redacted] HB 1399. | Buyer Comment [Redacted]: Seller acknowledges the exception, no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10263 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment [Redacted]: Seller acknowledges exception, no change in grading |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10268 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment [Redacted]: Seller accepts; no change to grading. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| CMLTI 2026-LTV1-10090 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for payment shock > 200%. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
Documentation Type: 2yr Full Doc Disposable Income: $4,460.26 Borrower has worked in the same position for more than 3 years. Borrower's Own Funds Percent: 19.64% Borrower's Own Funds Amount: $94,218.40 |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10099 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow PTIN. CPA letter, YTD P&L, and Balance sheet were prepared by PTIN. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
DTI: 26.62466% Guideline Maximum DTI: 50.00000% Guidelines Representative {Redacted} Representative {Redacted} Reserves: 66.66 Guideline Requirement: 6.00 |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. Buyer Comment [Redacted]: UPDATED EXCEPTION FORM Reviewer Comment [Redacted]: Lender exception provided has not been updated to reflect Reserves of [Redacted]lease provide an updated lender exception that discloses 11.46 months in reserves for the compensating factor. Buyer Comment [Redacted]: Number of reserves updated Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Buyer Comment [Redacted]: exception Reviewer Comment [Redacted]: Guideline exception form shows approval was made to use reserves as a compensating factor. However, calculated reserves are 11.46 months, lender exception form shows 60+ months. Access letters from all additional business owners are required and were not provided. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10099 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for payment shock of 287.678% which exceeds the maximum allowed of 200%. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
DTI: 26.62466% Guideline Maximum DTI: 50.00000% Guidelines Representative {Redacted} Representative {Redacted} Reserves: 66.66 Guideline Requirement: 6.00 |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. Buyer Comment [Redacted]: Up - Reserves updated - Exception for no US Govt ID (exception 4) dated exception form Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Buyer Comment [Redacted]: exception |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10099 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow borrower's credit to exceed 1 x 30 on non-mortgage accounts. CBR shows [Redacted] was in arrears as of [Redacted] . | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
DTI: 26.62466% Guideline Maximum DTI: 50.00000% Reserves: 66.66 Guideline Requirement: 6.00 Guidelines Representative {Redacted} Representative {Redacted} |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. Buyer Comment [Redacted]: - [Redacted] Child support was already paid and closed, attached is the credit supplement Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Buyer Comment [Redacted]: exception |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10099 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow ITIN borrower without valid US Government photo ID. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 66.66 Guideline Requirement: 6.00 DTI: 26.62466% Guideline Maximum DTI: 50.00000% Guidelines Representative {Redacted} Representative {Redacted} |
Originator,[Redacted] | Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. Buyer Comment [Redacted]: Updated exception form Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Reviewer Comment [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves. Buyer Comment [Redacted]: exception |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10100 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.15385% or Final Disclosure APR of 9.38300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Compliant Higher Priced Mortgage Loan. | 3 | A | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| CMLTI 2026-LTV1-10100 | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Loan: APR on subject loan of 9.15385% or Final Disclosure APR of 9.38300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%. Compliant Higher Priced Loan. | 3 | A | [Redacted] | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows: Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10100 | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for property condition rating of C4. Per UAD guidelines, not eligible for financing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Miscellaneous Borrower has verified disposable income of at least $2500.00. |
Reserves: 38.73 Guideline Requirement: 4.00 Payment shock is 135.410% Documentation Type: 2yr Full Doc Disposable Income: [Redacted] |
Originator,[Redacted] |
Reviewer Comment [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||
| CMLTI 2026-LTV1-10100 | XXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount was not provided. | Reviewer Comment [Redacted]: waived Reviewer Comment [Redacted]: This is a grade 2 exception that can be waived upon client's approval if Prelim title with Title policy amount is not available. Buyer Comment [Redacted]: This is a dry state closing. There is no "title policy" issued until several months AFTER closing. Buyer Comment [Redacted]: Spplement Reviewer Comment [Redacted]: Title provided does not disclose the Title policy amount. Buyer Comment [Redacted]: Prelim |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10316 | XXXX | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.71215% or Final Disclosure APR of 7.71200% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000% Compliant Higher Priced Loan. | Buyer Comment [Redacted]: please waive, thank you! Reviewer Comment [Redacted]: EV2 information finding, lender cert provided confirms. The finding may be waived at lender request. (EV2-B grade file) Buyer Comment [Redacted]: HPML signed at docs |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | No obvious cure | B | A | B | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10317 | XXXX | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.71095% or Final Disclosure APR of 7.75800% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000% Compliant Higher Priced Loan. | Buyer Comment [Redacted]: please waive Reviewer Comment [Redacted]: State Specific HPML compliant, may be waived resulting in an EV2-B rating. Buyer Comment [Redacted]: HPML disclosure |
[Redacted] | 2 | B | [Redacted] | Primary | Refinance - Rate/Term | No obvious cure | B | A | B | A | Non QM | Non QM | No | ||||||||||||
| CMLTI 2026-LTV1-10319 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.71854% or Final Disclosure APR of 7.73600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. | Compliant HPML, nothing required from lender. | 3 | A | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No | ||||||||||||||
| CMLTI 2026-LTV1-10319 | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Buyer Comment [Redacted]: waiving Reviewer Comment [Redacted]: Document provided is not fulfilling the requirement of appraisal receipt for Desk review. Require appraisal delivery after [Redacted]. Exception Remains. Buyer Comment [Redacted]: updated apprsl review uploaded |
[Redacted] | 2 | B | [Redacted] | Primary | Purchase | B | A | B | A | Non QM | Non QM | No |