EXHIBIT 99.10
Canopy RATING AGENCY GRADES DETAIL REPORT
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 846143 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 851004 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-22 06:39 | 2025-12-29 11:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxxxxx Driver’s License or other xxxxxx or foreign government-issued photo ID Missing | Resolved-Unexpired DL provided. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please see attached Driver's License. - Due Diligence Vendor-12/29/2025 Open-Client driver's license expired on xxxxxx - Due Diligence Vendor-12/22/2025 |
Resolved-Unexpired DL provided. - Due Diligence Vendor-12/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |
851004_xxxxxx_DL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 851889 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 852284 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-12-08 09:13 | 2025-12-19 11:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 40.47 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. The EMD from xxxxxx was backed out at closing. The borrower refunded the $57,750 and brought all closing costs in at closing. The updated final HUD has been uploaded showing the original credit for the $57,750 on page 1. On Page 2, there is a refund/debit back for the same amount cancelling it out completely. Updated bank statement shows borrower had $560,318.00 in his xxxxxx account ending in xxxx7307 right before closing. - Due Diligence Vendor-12/18/2025 Counter-Audited Reserves of 2.21 are less than Guideline Required Reserves of 6 Total assets verified. Total assets presented on the 1008 and final 1003 match that found in the file in the amount of $464,513.90. FTC in the amount of $439,248.30 is accounted for leaving $25,265.60 for reserves. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please see assets - Due Diligence Vendor-12/17/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Missing evidence of sufficient assets for reserves and missing source of 08/11 EMD received from xxxxxx iao $57,750 - Due Diligence Vendor-12/08/2025 |
Resolved-Audited Reserves of 40.47 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/19/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Full Review852284_xxxxxx_12_16_2025_101553_AM.zip Full Review852284_xxxxxx_12_17_2025_121125_PM.zip |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 852284 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-12-09 03:20 | 2025-12-16 14:55 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/16/2025 Ready for Review-Document Uploaded. pleas see attached - Due Diligence Vendor-12/16/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance OR satisfactory RCE. - Due Diligence Vendor-12/09/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
852284_xxxxxx_RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 852643 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2025-11-14 10:46 | 2025-11-14 10:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Lender exception for insufficient seasoning for forbearance. Forbearance on borrower's primary residence xxxxx < 48 months seasoning requirement. Borrower had a HUD partial claim deed of trust for $xxxxx due to past due xxxxxx mortgage payments. - Due Diligence Vendor-11/14/2025 | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Lender exception for insufficient seasoning for forbearance. Forbearance on borrower's primary residence xxxxx < 48 months seasoning requirement. Borrower had a HUD partial claim deed of trust for xxxxx due to past due xxxxxx mortgage payments. - Due Diligence Vendor-11/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |
712 credit score Exceeds minimum credit score of 680 All consumer credit paid as agreed Borrower meets reserves requirement. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 852653 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-03 01:03 | 2025-11-05 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. - Seller-11/05/2025 Open-Title Document is missing Provide Full Title Document for the Subject Property " xxxxxx ". Currently Available Title Supplement Report only Page# 860, 861. - Due Diligence Vendor-11/03/2025 |
Ready for Review-Document Uploaded. - Seller-11/05/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-11/05/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
PRELIM TITLE REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 852793 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 853113 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 853220 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 853344 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 853414 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-16 15:46 | 2026-02-18 13:44 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Signed Name Affidavit provided. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. I have consulted with our Collateral Analyst to bring this condition to their attention. They responded that since we have a name affidavit (uploaded) covering B2's different names, that no correction is required. Can you please confirm you are ok with this or do we need to run an exception. Please advise and xxxxxx! - Due Diligence Vendor-02/18/2026 Open-Borrower 2 Signature does not match Note. Mortgage executed by Bor 2 with "xxxxxx" at end of name. - Due Diligence Vendor-02/16/2026 |
Resolved-Signed Name Affidavit provided. - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
853414_xxxxxx_853414_Name_Affidavit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 853414 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-14 08:39 | 2026-02-18 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please see the attached Fraud Report used by our UW to satisfy this requirement. - Due Diligence Vendor-02/18/2026 Open-Missing Third Party Fraud Report Fraud Report is missing in the loan file. - Due Diligence Vendor-02/14/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
853414_xxxxxx_Fraud_Audit_ADV120CivilCourt.pdf 853414_xxxxxx_Fraud_Report_Clear.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 853454 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 853476 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 08:11 | 2025-11-21 16:00 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved- - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. It's not dscr of 1. Please refer to lock form. It is IO. DSCR of .75-.99. Please see attached. - Seller-11/21/2025 Open-TPR verified a lower DSCR than what lender has on there approval. TPR verified .884 DSCR using following calcs: P&I = $3478.13, Taxes xxxxxx and xxxxxx a month for a total PITIA = $4300.37. (Rent / Market and lease are both $3800 and rent can not be grossed up by 120%) $3800/$4300.37 = .884. TPR is unable to verify what lender actually used for DSCR calcs as supporting documentation is missing from file. Rate lock also is missing from to verify what the minimum DSCR allowed is. Per approval in file under doc pg #194 reflects minimum of 1.00 - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. It's not dscr of 1. Please refer to lock form. It is IO. DSCR of .75-.99. Please see attached. - Seller-11/21/2025 |
Resolved- - Due Diligence Vendor-11/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 75 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
conditioned docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 853512 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 853537 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 853655 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 853890 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-03-24 15:41 | 2026-03-26 14:58 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Open- - Due Diligence Vendor-03/24/2026 |
Resolved-BPO provided - Due Diligence Vendor-03/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years |
xxxxxx CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853971 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 06:20 | 2026-05-07 14:09 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Discount Fee Test | Resolved-Lender rebuttal includes DIDMCA pre-emption verbiage. - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please review -Discount Fee Rebuttal attached. - Due Diligence Vendor-05/06/2026 Counter-**Received missing disclosures. Loan still fails xxxxxx sum of all discount points 2% of the original principal amount threshold. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the discount fee test. (xxxxxx ST § 1343.011(B))The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. ************* Discount Fee Test: FAIL Charge $10,691.90 Amount Allowed $4,690.00 = violation amount of $6,001.90. Loan Detail report indicates xxxxxx State Rules were not tested. Additionally please confirm the Rate Lock Date as there is some indication the loan was relocked on xxxxxx. xxxxxx - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-Lender rebuttal includes DIDMCA pre-emption verbiage. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review853971_xxxxxx_5_6_2026_23445_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 853971 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 12:52 | 2026-05-04 11:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-05/04/2026 Open-******Documentation provided does not contain the CLOSING DISCLOSURES dated xxxxxx 9:54 AM, xxxxxx 3:07 PM, xxxxxx 4:39 PM, xxxxxx 5:03 PM, xxxxxx 5:57 PM (please advise if this is a RELOCK date), xxxxxx 6:53 PM, xxxxxx 6:02 PM ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/01/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review853971_xxxxxx_5_1_2026_50113_PM.zip 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260313_163951.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260209_095448.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260209_150743.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260319_170328.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_175722.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260406_185337.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260408_132916.pdf 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260407_180303.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 853971 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-01 13:12 | 2026-05-04 11:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx LE and COC. - Due Diligence Vendor-05/04/2026 Open-*********** ******Documentation provided does not contain the Loan Estimate dated xxxxxx. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx. - Due Diligence Vendor-05/01/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review853971_xxxxxx_5_1_2026_50155_PM.zip 853971_xxxxxx_LE.pdf 853971_xxxxxx_Changed_Circumstance_Form.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 854208 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2026-01-28 17:30 | 2026-02-25 08:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. See CDA - Due Diligence Vendor-02/25/2026 Counter-Missing CDA as per Guidelines: "If both scores" (CU & LCA) are provided, both are required to be 2.5 or less. LCA is 3/Not Eligible - Due Diligence Vendor-01/30/2026 Ready for Review-Only the xxxxxx SSR was sent in Pre Qual, both were sent in with Post Close submission, will need CDA do to xxxxxx score was higher than 2.5 - Due Diligence Vendor-01/30/2026 Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/28/2026 |
Resolved- - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
854208_xxxxxx_RDA_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 854208 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2026-01-25 22:54 | 2026-01-25 22:54 | Waived | 2 - Non-Material | B | B | Credit | Eligibilty | Loan does not conform to program guidelines | Waived-Exception granted with compensating factors-Allow power of attorney on cash out transaction. - Due Diligence Vendor-01/26/2026 | Waived-Exception granted with compensating factors-Allow power of attorney on cash out transaction. - Due Diligence Vendor-01/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
-LTV/CLTV 5% or more below the maximum allowed under applicable guidelines -Experienced investor owns and manages 5 or more properties for 12 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 854736 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2025-12-06 17:54 | 2025-12-12 11:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-12/11/2025 Counter-Subject loan is a DSCR and the 1008 reflects a DTI Ratio percentage - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. - Seller-12/10/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/06/2025 |
Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-12/11/2025 Ready for Review-Document Uploaded. - Seller-12/10/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
1008.pdf 1008 revised.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 854736 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2025-12-06 17:35 | 2025-12-10 10:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-1-4 Family Rider provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. The 1-4 rider is the assignment rider - Seller-12/10/2025 Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/06/2025 |
Ready for Review-Document Uploaded. The 1-4 rider is the assignment rider - Seller-12/10/2025 |
Resolved-1-4 Family Rider provided. - Due Diligence Vendor-12/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
1-4 RIDER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 854866 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-12 04:57 | 2026-01-19 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/19/2026 Ready for Review-Document Uploaded. 1/16/26 - Lender response: please remove xxxxxx assets - brwr should has enough reserves without the xxxxxx - see updated 1003. - Due Diligence Vendor-01/18/2026 Open-Updated verbiage. - Due Diligence Vendor-01/14/2026 Open-Asset 2 Missing Provide the complete asset statements for xxxxxx. - Due Diligence Vendor-01/14/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | 854866_xxxxxx_updated_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 854943 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 10:03 | 2026-03-17 10:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 695 is less than Guideline FICO of 700 Min credit score is 700 for first time investor. Seek exception to allow with 695 score - Due Diligence Vendor-03/17/2026 | Waived-Exception granted with compensating factorsAudited FICO of 695 is less than Guideline FICO of 700 Min credit score is 700 for first time investor. Seek exception to allow with 695 score - Due Diligence Vendor-03/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 165.42 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.26% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More |
DSCR > 1.3 Reserves exceed requirement by 10 months or more |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 855090 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-10 11:27 | 2026-04-15 17:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-PPP is present - Due Diligence Vendor-04/15/2026 Open-Provide LOE, Rider to Security instrument and proof of recording (LOI to record - Due Diligence Vendor-04/10/2026 Open-Document Uploaded. - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/10/2026 |
Resolved-PPP is present - Due Diligence Vendor-04/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
855090 3yr PPP (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 855090 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-06 06:15 | 2026-04-14 08:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. See attached final 1003 - Due Diligence Vendor-04/10/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-04/06/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-04/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
855090_xxxxxx_Final_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 855090 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2026-04-06 17:37 | 2026-04-06 17:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsAllow less than 12 months housing history on primary. (8 Months) Borrower was not on title at the time of application. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 |
Waived-Exception granted with compensating factorsAllow less than 12 months housing history on primary. (8 Months) Borrower was not on title at the time of application. - Due Diligence Vendor-04/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Credit Score 30+ points > minimum required. DSCR > 1.15. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 855160 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-11 11:55 | 2026-02-24 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached Guaranty Agreement - Due Diligence Vendor-02/23/2026 Open-Personal Guaranty is missing. Personal Guaranty was not in the file and is required since borrower is a business entity - Due Diligence Vendor-02/11/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 36.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 52.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
855160_xxxxxx_guaraty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855187 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 855225 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 855395 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 855396 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2025-12-04 08:20 | 2025-12-05 07:55 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/04/2025 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. - Seller-12/04/2025 |
Resolved-desk review provided - Due Diligence Vendor-12/05/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Subject Property Rent Potential - Subject property has a market rent estimate of $9,800/month and current rents of $7,340 resulting in an additional potnetial rental income of $2,460/month not utilized in qualifying |
APPRAISAL REVIEW (11).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 855396 | xxxxxx | D | B | B | B | A | A | D | A | Closed | xxxxxx | 2025-12-03 17:26 | 2025-12-03 17:26 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Approved exception with comp factors to waive the requirement for 6 months of cancelled checks for this condition since the borrower pays in cash. - Due Diligence Vendor-12/03/2025 |
Waived-Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Approved exception with comp factors to waive the requirement for 6 months of cancelled checks for this condition since the borrower pays in cash. - Due Diligence Vendor-12/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Subject Property Rent Potential - Subject property has a market rent estimate of $9,800/month and current rents of $7,340 resulting in an additional potnetial rental income of $2,460/month not utilized in qualifying |
723 FICO vs minimum of 660. LTV is 75% vs maximum of 80% LTV. DSCR is 1.07 vs minimum of 1. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 855419 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 855467 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 855617 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-05 13:06 | 2026-03-06 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. Please see attached Entity documentation. - Buyer-03/06/2026 Counter-Provide all Entity Documents for xxxxxx - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. Please see attached EIN documentation. - Due Diligence Vendor-03/06/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN xxxxxx- Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-03/05/2026 |
Resolved-Entity docs provided. - Due Diligence Vendor-03/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 108.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 855617_xxxxxx_EIN.pdf 56310129 (1).pdf DocPackage_xxxxxx_20260113_125105.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 855783 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 855787 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-03 03:10 | 2026-03-04 07:59 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/04/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/03/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 64.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
855787_xxxxxx_Loan_#855787_LDL-Report_UPDATED_2-20-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 855801 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 855834 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 856107 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 856108 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 856146 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 856233 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:32 | 2026-03-27 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-03/26/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/19/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856233_xxxxxx_Fraud_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 856233 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:28 | 2026-03-27 08:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/27/2026 Resolved-Insurance updated - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. 3/26/26 - please see prior HOI - Due Diligence Vendor-03/26/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Missing evidence of previous hazard policy, current file copy says renewal but previous not in file. - Due Diligence Vendor-03/19/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/27/2026 Resolved-Insurance updated - Due Diligence Vendor-03/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856233_xxxxxx_HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-06-10 22:32 | 2026-06-10 22:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factorsException granted with compensating factors to waive documentation to evidence extension. Loan was verbally extended by creditor through closing date of xxxxxx. - Due Diligence Vendor-06/11/2026 Open-Note on the subject property matured on xxxxxx. Missing evidence of loan extension through closing date xxxxxx. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted with compensating factorsException granted with compensating factors to waive documentation to evidence extension. Loan was verbally extended by creditor through closing date of xxxxxx. - Due Diligence Vendor-06/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | ||||
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-18 08:03 | 2025-12-18 08:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsException granted with supporting comp factors: BORROWERS PAID THEIR PREVIOUS MORTGAGE ON THE PRIMARY RESIDENCE IN CASH. EXCEPTION IS REQUIRED DUE TO INABILITY TO DOCUMENT A PORTION OF THE 12-MONTH MORTGAGE PAYMENT HISTORY - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: BORROWERS PAID THEIR PREVIOUS MORTGAGE ON THE PRIMARY RESIDENCE IN CASH. EXCEPTION IS REQUIRED DUE TO INABILITY TO DOCUMENT A PORTION OF THE 12-MONTH MORTGAGE PAYMENT HISTORY - Due Diligence Vendor-12/18/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-16 06:28 | 2025-12-18 08:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT LESS THAN $150,000 MINIMUM ALLOWED - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. - Seller-12/17/2025 Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000. no exception approval noted for this. - Due Diligence Vendor-12/16/2025 |
Ready for Review-Document Uploaded. - Seller-12/17/2025 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT LESS THAN $150,000 MINIMUM ALLOWED - Due Diligence Vendor-12/18/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR |
EXCEPTION FORM - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-16 06:32 | 2025-12-16 06:32 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE THE HIGHER RENT AMOUNT ON THE LEASE (CAPPED AT 120% OF MARKET RENT) DUE TO INITIAL PAYMENTS WERE MADE IN CASH. - Due Diligence Vendor-12/16/2025 | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE THE HIGHER RENT AMOUNT ON THE LEASE (CAPPED AT 120% OF MARKET RENT) DUE TO INITIAL PAYMENTS WERE MADE IN CASH. - Due Diligence Vendor-12/16/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-16 06:30 | 2025-12-16 06:30 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE W-7 IN LIEU OF ITIN RENEWAL FROM IRS. - Due Diligence Vendor-12/16/2025 |
Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE W-7 IN LIEU OF ITIN RENEWAL FROM IRS. - Due Diligence Vendor-12/16/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 856334 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-16 06:28 | 2025-12-16 06:28 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsAudited Reserves of 0.68 are less than Guideline Required Reserves of 6 EXCEPTION APPROVAL TO WAIVE 6-MONTH RESERVES REQUIREMENT. - Due Diligence Vendor-12/16/2025 | Waived-Exception granted with compensating factorsAudited Reserves of 0.68 are less than Guideline Required Reserves of 6 EXCEPTION APPROVAL TO WAIVE 6-MONTH RESERVES REQUIREMENT. - Due Diligence Vendor-12/16/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 856336 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2025-12-16 14:24 | 2025-12-17 12:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Signed & Stamped CTC from Title company HUD/SS provided. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. - Seller-12/17/2025 Open-. Provide final closing statement for the subject property refinance to ensure adequate funds required to close, as the statements provided all reflect estimated. - Due Diligence Vendor-12/16/2025 |
Ready for Review-Document Uploaded. - Seller-12/17/2025 |
Resolved-Signed & Stamped CTC from Title company HUD/SS provided. - Due Diligence Vendor-12/17/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Experienced real estate investor - Borrower is a long term real estate investor with an additional investment property |
xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856336 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2025-12-16 03:52 | 2025-12-16 03:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Guidelines require 5% LTV reduction or a maximum of 70% LTV for unleased properties in a refinance transaction. Requesting to maintain at 75% LTV with 2 units vacant. - Due Diligence Vendor-12/16/2025 | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Guidelines require 5% LTV reduction or a maximum of 70% LTV for unleased properties in a refinance transaction. Requesting to maintain at 75% LTV with 2 units vacant. - Due Diligence Vendor-12/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Experienced real estate investor - Borrower is a long term real estate investor with an additional investment property |
Borrower’s FICO score is 105 points higher than the minimum score required by the program | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 856564 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 856600 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 856607 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 11:48 | 2026-05-05 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA document provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please find the HOA details for REO used by UW to qualify requirement. xxxxxx! - Due Diligence Vendor-05/05/2026 Open-Missing verification of taxes, insurance and HOA if applicable for xxxxxx to verify PITIA - Due Diligence Vendor-05/04/2026 |
Resolved-HOA document provided - Due Diligence Vendor-05/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.19 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.19 Years |
856607_xxxxxx_Most_recent_HOA.pdf 856607_xxxxxx_#1k_HOA.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856607 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 11:22 | 2026-05-05 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please find attached the xxxxxx UW Income Worksheet. xxxxxx! - Due Diligence Vendor-05/05/2026 Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet to verify SE income. does not match income worksheet in file. no explanation of how income was calculated - Due Diligence Vendor-05/04/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.19 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.19 Years |
856607_xxxxxx_updated_P&L.pdf 856607_xxxxxx_Loan_#856607_LDL-Report_UPDATED_4-10-26.pdf 856607_xxxxxx_Updated_CPA_letter_xxxxxx.pdf 856607_xxxxxx_P&L.pdf 856607_xxxxxx_856607_UW_Income_Worksheet.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856617 | xxxxxx | B | B | B | B | A | A | B | B | Closed | xxxxxx | 2026-01-29 06:08 | 2026-01-30 15:09 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsWe are asking for an exception on the appraiser being state licensed but not state certified. Per xxxxxx UW, the appraiser is not state certified. With the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties and the subject property being a SFR valued at xxxxxx, a state licensed appraiser should be qualified to provide an accurate valuation on the subject property. We have provided a CDA that supports the appraisal value. - Due Diligence Vendor-01/29/2026 | Waived-Exception granted with compensating factorsWe are asking for an exception on the appraiser being state licensed but not state certified. Per xxxxxx UW, the appraiser is not state certified. With the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties and the subject property being a SFR valued at xxxxxx, a state licensed appraiser should be qualified to provide an accurate valuation on the subject property. We have provided a CDA that supports the appraisal value. - Due Diligence Vendor-01/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.59% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 856617 | xxxxxx | B | B | B | B | A | A | B | B | Closed | xxxxxx | 2026-01-29 06:05 | 2026-01-29 06:05 | Waived | 2 - Non-Material | B | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 1.174 is less than guideline DSCR of 1.25. We are requesting an exception for DSCR < 1.25 on loan amount < $150,000. - Due Diligence Vendor-01/29/2026 | Waived-Exception granted with compensating factorsCalculated DSCR of 1.174 is less than guideline DSCR of 1.25. We are requesting an exception for DSCR < 1.25 on loan amount < $150,000. - Due Diligence Vendor-01/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.59% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 856643 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 856752 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 856780 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-02-05 06:05 | 2026-02-05 06:05 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception granted with compensating factorsasking to use the seller concession per contract which is higher than the 6% in guidelines. xxxxxx giving xxxxxx on a xxxxxx purchase price 8% - Due Diligence Vendor-02/05/2026 | Waived-Exception granted with compensating factorsasking to use the seller concession per contract which is higher than the 6% in guidelines. xxxxxx giving xxxxxx on a xxxxxx purchase price 8% - Due Diligence Vendor-02/05/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
TV/CLTV 10% or more below the maximum allowed under applicable guidelines DSCR > 1.15 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 856788 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 856796 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 08:16 | 2026-04-29 19:00 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **** The Final CD shows a funding date of xxxxxx which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70.02% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
856796_xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 856796 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 07:15 | 2026-04-28 14:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/28/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70.02% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
856796_xxxxxx_Eligibility_Review_UW_xxxxxx_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 856817 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 07:53 | 2026-04-27 10:04 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached Initial CD and Acknowledgment. - Due Diligence Vendor-04/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.. - Due Diligence Vendor-04/20/2026 |
Resolved-***Received ICD - Due Diligence Vendor-04/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Full Review856817_xxxxxx_4_23_2026_111859_AM.zip 856817_xxxxxx_ICD_ACKNOLEDGED..pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856817 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 13:48 | 2026-04-24 06:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached Fraud Report for Gap Credit Report. - Due Diligence Vendor-04/23/2026 Open-Borrower 1 Gap Credit Report is Missing Gap credit report missing- per guidelines- A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing - Due Diligence Vendor-04/17/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
856817_xxxxxx_BANK_STATEMENT_INCOME_REVEIW_SUMMARY.pdf 856817_xxxxxx_FRAUD_REPORT.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856817 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 03:48 | 2026-04-24 06:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached Lender Income Calculation Worksheet. - Due Diligence Vendor-04/23/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/17/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Missing Lender Worksheet or Bank Statement Summary | 856817_xxxxxx_INCOME_CALCULATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856861 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-16 00:44 | 2026-02-19 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached HOI and RCE. - Due Diligence Vendor-02/19/2026 Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-02/16/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 42.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
856861_xxxxxx_Hazard_Ins_Policy_and_RCE_DT2601563.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 856982 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 857160 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 11:34 | 2026-06-02 12:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached CDs for xxxxxx. - Due Diligence Vendor-06/01/2026 Counter-Documentation provided is for a different property/borrower. **Please provide missing Initial Closing Disclosure and any other possible missing TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see the attached initial cd and interim cds. - Due Diligence Vendor-05/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 34.89% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 51.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.84 Years |
Full Review857160_xxxxxx_5_1_2026_21510_PM.zip 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260217_190711.pdf 857160_xxxxxx_xxxxxx_FinalComplianceCheck.pdf 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_140205.pdf 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260310_211558.pdf 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_112104.pdf 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260313_110251.pdf Full Review857160_xxxxxx_6_1_2026_15644_PM.zip 857160_xxxxxx_TridDisclosureSummary_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857180 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-14 08:17 | 2026-01-28 13:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Seller-01/15/2026 Counter-The Approved Exception form does not address the builder being in control - xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 |
Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
All consumer credit paid as agreed in the most recent 12 months. Borrower exceeds minimum credit score requirement by 142 points Current LTV is 15% less than max allowed. DSCR ratio of 1.00. |
EXCEPTION FORM.pdf xxxxxx GUIDELINE EXCEPTION.pdf xxxxxx ADDENDUM TO NOTE.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 857180 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-09 03:54 | 2026-01-14 08:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 Open-Appraisal is Missing missing appraisal and rent comparable schedule - Due Diligence Vendor-01/09/2026 |
Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857180 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-09 04:30 | 2026-01-09 04:30 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026 | Waived-Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
COMPENSATING FACTORS: • All consumer credit paid as agreed in the most recent 12 months. • Borrower exceeds minimum credit score requirement by 142 points • Current LTV is 15% less than max allowed. • DSCR ratio of 1.00. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 857184 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-05-04 13:22 | 2026-05-04 13:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException to allow exposure that exceeds guideline maximum provided - Due Diligence Vendor-05/04/2026 Open-xxxxx total exposure on the project exceeds guideline maximum of $5mm - Due Diligence Vendor-05/04/2026 |
Waived-Exception granted with compensating factorsException to allow exposure that exceeds guideline maximum provided - Due Diligence Vendor-05/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
All consumer credit paid as agreed in the most recent 12 months. Borrower exceeds minimum credit score requirement by 142 points. Current LTV is 15% less than max allowed. DSCR ratio of 1.00 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 857184 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-14 08:20 | 2026-02-04 17:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsClient exception granted with compensating factors to accept HOA under builder control - Due Diligence Vendor-02/04/2026 Counter-yes, The Approved Exception form needs to address the builder being in control - Due Diligence Vendor-01/16/2026 Ready for Review-are you asking for the exception form to state builder being in control - Seller-01/15/2026 Counter-The Approved Exception form does not address the builder being in control - xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 |
Ready for Review-are you asking for the exception form to state builder being in control - Seller-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 |
Waived-Exception granted with compensating factorsClient exception granted with compensating factors to accept HOA under builder control - Due Diligence Vendor-02/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
All consumer credit paid as agreed in the most recent 12 months. Borrower exceeds minimum credit score requirement by 142 points. Current LTV is 15% less than max allowed. DSCR ratio of 1.00 |
EXCEPTION FORM.pdf EXCEPTION FORM.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 857184 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-11 00:48 | 2026-01-28 13:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 Open-Appraisal is Missing Missing appraisal with rent comparable - Due Diligence Vendor-01/11/2026 |
Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 |
Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
APPRAISAL.pdf xxxxxx ADDENDUM TO NOTE.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857184 | xxxxxx | D | B | C | B | A | A | D | A | Closed | xxxxxx | 2026-01-11 04:48 | 2026-01-11 04:48 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/11/2026 | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
All consumer credit paid as agreed in the most recent 12 months. Borrower exceeds minimum credit score requirement by 142 points. Current LTV is 15% less than max allowed. DSCR ratio of 1.00 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 857193 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 857199 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 857214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-10 10:42 | 2026-02-15 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/15/2026 Ready for Review-Please re-review policy it shows building coverage as xxxxxx. This was reviewed preclose, can you please advise if acceptable - Due Diligence Vendor-02/15/2026 Counter-The policy provided does not state the Dwellings coverage for the Property - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. Please see uploaded HOI - Due Diligence Vendor-02/13/2026 Counter-No document attached, please re-upload - Due Diligence Vendor-02/12/2026 Ready for Review-Please see HOI - Due Diligence Vendor-02/11/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/10/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 857214_xxxxxx_Insurance_-_Renewal_Policy_(2).pdf 857214_xxxxxx_Insurance_-_Renewal_Policy_Invoice_(1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-10 12:38 | 2026-02-12 11:43 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/11/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/10/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 857214_xxxxxx_Committee_Review_Sheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857347 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-17 08:22 | 2026-01-30 14:52 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-01/30/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-01/30/2026 Counter-Missing mortgage with the correct xxxxxx - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please see 1003 and PCCD - Due Diligence Vendor-01/27/2026 Counter-Missing mortgage, 1003 and FCD with the correct xxxxxx - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please see corrected note - Due Diligence Vendor-01/26/2026 Open-Subject Property on Note does not match Insured Property Address Note, mortgage, 1003 and FCD have xxxxxx instead of correct xxxxxx as seen on other documents including hazard policy. - Due Diligence Vendor-01/17/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-01/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Compensating Factor 1 - DSCR > 1.15 Compensating Factor 2 - Reserves exceed requirement by 10 months or more |
857347_xxxxxx_NOTE_CORRECTED.pdf 857347_xxxxxx.pdf 857347_xxxxxx_2.pdf 857347_xxxxxx_3.pdf 857347_xxxxxx_1003.pdf 857347_xxxxxx_PCCD.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | ||
| 857347 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-16 01:13 | 2026-01-22 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see fraud report - Due Diligence Vendor-01/21/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/16/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
857347_xxxxxx_fraud_updated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857358 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-01-29 00:11 | 2026-02-03 07:33 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. See attached pre approval - Due Diligence Vendor-02/02/2026 Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/29/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.14% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 36.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
857358_xxxxxx_Loan_#857358_LDL-Report_1-20-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-19 17:01 | 2026-02-02 13:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. - Seller-01/30/2026 Counter-Document Uploaded. Final 1003 reflects additional xxxxxx accounts and Gift Funds, if no longer using or needed, an updated 1003 Section 2a & 4d is needed. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Not needed, assets were not used for funds to close and reserves. Asset used is from xxxxxx (attached is the CPA letter) - Seller-01/29/2026 Counter-Access letter for all additional business owners and evidence withdrawal will not harm business via CPA letter, cash flow analysis or balance sheet. and Verification of Borrower's Business ownership percentage is missing for xxxxxx and xxxxxx - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open--Verification of Gift funds and transfer documentation are missing from the file. -Verification of Borrower's Business ownership percentage is missing for xxxxxx and xxxxxx. Access letter for all additional business owners and evidence withdrawl will not harm business via CPA letter, cash flow anaylysis or balance sheet. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/30/2026 Ready for Review-Document Uploaded. Not needed, assets were not used for funds to close and reserves. Asset used is from xxxxxx (attached is the CPA letter) - Seller-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-02/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf CPA Letter - xxxxxx.pdf Assets.png xxxxxx.png 1008 - xxxxxx.pdf 1003 - xxxxxx 0086.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-19 17:25 | 2026-01-30 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Counter-Missing Operating Agreement for xxxxxx. - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement for xxxxxx. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Entity documents provided. - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
LLC OPERATING AGREEMENT & DOCUMENTS - VESTING 2.pdf LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf Operating Agreement - xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-17 00:31 | 2026-01-29 15:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception on project under builder developer control - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. Missing Approved Lender Exception - Due Diligence Vendor-01/23/2026 Rescinded-The Builder is in control of the HOA. Guidelines allow for case by case basis. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception on project under builder developer control - Due Diligence Vendor-01/29/2026 Rescinded-The Builder is in control of the HOA. Guidelines allow for case by case basis. - Due Diligence Vendor-01/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
C1 property condition 1.32 DSCR 65% LTV |
xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-17 00:31 | 2026-01-23 12:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Appraisal is Missing Provide 1073 appraisal to support the purchase price of xxxxxx at a minimum. Subject to review and possible additional conditions - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-17 01:27 | 2026-01-23 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 Provided - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Missing rent comparable schedule form 1007 For xxxxxx - Due Diligence Vendor-01/17/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-1007 Provided - Due Diligence Vendor-01/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-19 16:39 | 2026-01-23 12:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider to Note & DOT Provided - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Prepayment Rider Missing - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-PPP Rider to Note & DOT Provided - Due Diligence Vendor-01/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
COLLATERAL PACKAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-19 15:04 | 2026-01-23 12:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-The Note is Incomplete Per program exception form and closing instructions File is missing Prepayment addendum to Note. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-The Note is Present - Due Diligence Vendor-01/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
COLLATERAL PACKAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 857394 | xxxxxx | D | B | D | B | D | A | D | A | Closed | xxxxxx | 2026-01-17 01:24 | 2026-01-19 17:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. -EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT -Exception to allow less than 50% owner occupied on a new project. Currently there is 45.06% owner occupied units - Due Diligence Vendor-01/17/2026 |
Waived-Exception granted with compensating factorsCondo project does not meet guidelines. -EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT -Exception to allow less than 50% owner occupied on a new project. Currently there is 45.06% owner occupied units - Due Diligence Vendor-01/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 857408 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-01-20 00:33 | 2026-01-26 09:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/23/2026 Counter-Please provide Prior Master HOA Policy as the one provided has an effective date of xxxxxx and the loan disbursement date is xxxxxx - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/22/2026 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Provide Master Policy for the Subject Property Located at the xxxxxx. Currently Its Available Page# 424, but its Title Company Document. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/23/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/22/2026 |
Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
HOA MASTER INS_2026_01_22_@01_23_05.pdf master eoi -pocb.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 857486 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 04:16 | 2026-01-13 16:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000 - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000. exception approval does not show this was included as part of exception approval on page 408 - Due Diligence Vendor-12/29/2025 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000 - Due Diligence Vendor-01/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
1. DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY |
Guideline Exception Form - Tran.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |
| 857486 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 04:21 | 2025-12-29 04:22 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO USE THE APPRAISED VALUE FOR LTV CALCULATION DUE TO PROPERTY SEASONING. PROPERTY WAS ACQUIRED ON xxxxxx. PER GUIDELINES, IF OWNED LESS THAN 12 MONTHS, USE LESSER OR PURCHASE PRICE PLUS DOCUMENTED - Due Diligence Vendor-01/24/2026 | Waived-Exception granted with compensating factorsEXCEPTION TO USE THE APPRAISED VALUE FOR LTV CALCULATION DUE TO PROPERTY SEASONING. PROPERTY WAS ACQUIRED ON xxxxxx. PER GUIDELINES, IF OWNED LESS THAN 12 MONTHS, USE LESSER OR PURCHASE PRICE PLUS DOCUMENTED - Due Diligence Vendor-01/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
1. DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 857486 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 04:16 | 2025-12-29 04:16 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% CURRENT LTV OF 65% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE/FTHB - Due Diligence Vendor-12/29/2025 | Waived-Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% CURRENT LTV OF 65% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE/FTHB - Due Diligence Vendor-12/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
1.DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 857486 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2025-12-29 03:51 | 2025-12-29 03:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY. - Due Diligence Vendor-12/29/2025 | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY. - Due Diligence Vendor-12/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 16:09 | 2026-04-30 10:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/29/2026 Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 Open-******Documentation provided does not contain the Initial Closing disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/15/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Full Review857494_xxxxxx_4_16_2026_25635_PM.zip Full Review857494_xxxxxx_4_29_2026_122859_PM.zip 857494_xxxxxx_ClosingDisclosurePkg_xxxxxx_190114.pdf 857494_xxxxxx_ClosingDisclosurePkg_xxxxxx_161840.pdf 857494_xxxxxx_Compliance.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 08:57 | 2026-04-30 09:14 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-**Received missing disclosures - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-04/30/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 Rescinded- - Due Diligence Vendor-04/20/2026 Rescinded-QC corrected - Due Diligence Vendor-04/20/2026 Resolved- - Due Diligence Vendor-04/20/2026 Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 Rescinded-QC corrected - Due Diligence Vendor-04/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $64.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Full Review857494_xxxxxx_4_29_2026_123135_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Full Review857494_xxxxxx_4_29_2026_123331_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Full Review857494_xxxxxx_4_29_2026_123001_PM.zip 857494_xxxxxx.pdf 857494_xxxxxx_(1).pdf 857494_xxxxxx_(2).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 08:27 | 2026-04-22 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing AUS Findings | Resolved-AUS provided matches 1008 - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx 1008 and DU. - Due Diligence Vendor-04/22/2026 Counter-The DU provided does not belong to this Bwr/Loan. Please provide the correct DU/AUS listed on the Lenders 1008 - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached DU / 1008. - Seller-04/17/2026 Counter-Document Uploaded. Provided updated 1008 reflecting Manual UW or Provided AUS Approved/Eligible - Due Diligence Vendor-04/17/2026 Ready for Review-Please waive. Bank Statements were used in income qualifying. AUS was not utilized under program and guides. 2.8.5.5 AUS FINDINGS (04/21/2025) Income documentation relief from xxxxxx DU or xxxxxx LPA is considered xxxxxx and is acceptable under the xxxxxx Program, subject to the following: Final AUS findings must be included in the loan file for one of the following: o xxxxxx DU Approve/Eligible or xxxxxx LPA Accept/Eligible o xxxxxx DU Approve/Ineligible or xxxxxx LPA Accept/Ineligible allowed for the following: - Due Diligence Vendor-04/16/2026 Open-Provide DU Document for verify AUS Recommendation. 1008 showing risk assessment AUS with DU. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Please see attached DU / 1008. - Seller-04/17/2026 |
Resolved-AUS provided matches 1008 - Due Diligence Vendor-04/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
Screenshot 2026-04-17 075503.jpg DUFindings_Run47 (1).pdf xxxxxx_1008.pdf 857494_xxxxxx_1008.pdf 857494_xxxxxx_Desktop_Underwriter_Findings,_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 857494 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 08:22 | 2026-04-17 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/16/2026 Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender income work sheet for verify the non-business Transactions. - Due Diligence Vendor-04/15/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |
857494_xxxxxx_Trucking_ANALYSIS_updated_2-9.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857585 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 857749 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 857773 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 857872 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 857884 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 857885 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-02-25 17:28 | 2026-03-02 09:58 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. 2/26/26 - please see attached. - Due Diligence Vendor-02/26/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/25/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
857885_xxxxxx_857885_NEW_FINAL_ldl-report_2112026121419_121419.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857893 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-15 14:01 | 2026-05-12 13:47 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Counter-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. Federal High-Cost fail (HOEPA) - 0% tolerance violations, 10% tolerance violations - xxxxxx Fair Lending Act -------------------- please refer to additional / newly opened compliance findings. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/17/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Full Review857933_xxxxxx_4_16_2026_52128_PM.zip xxxxxx rebuttal.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see Seller rebuttal attached. - Buyer-04/30/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-****** see detail provided in the 0% and 10% tolerance triggering finding. xxxxxx - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxxxxx rebuttal - TRID (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-****** see detail provided in the 0% and 10% tolerance triggering finding. xxxxxx - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,998.00) exceed the comparable charges ($1,468.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 Resolved- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ ***10% tolerance cure in the amount of $8.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($470.00) exceed the comparable charges ($420.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/20/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,030.00) exceed the comparable charges ($420.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received Missing disclosures and lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,417.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Affiliate Lender Title Policy, Underwriting fee and tax service fee not disclosed in Initial Loan Estimate added later (995.00 + 64.00 = 1619.00) additionally, the affiliate appraisal "trip fee" was not disclosed at the same time as the appraisal fee (=175.00) additionally the affiliate final inspection fee was not disclosed to the borrower within 3 days of receiving a "subject to" appraisal / sufficient knowledge of the fee ($175.00) additionally the doc prep fee to xxxxxx increased $8.00 -----------Cumulative total of 0% tolerance violations are $1977.00 //// the Change of circumstance form in the package is insufficient to validate these events - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,977.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,417.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-**Received Missing disclosures and lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open-*****************xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data xxxxxx vs Comparative Data xxxxxx = Variance of xxxxxx ~~~~~~~~~~~~~~ Appraisal Fee - affiliate paid by Borrower: $140.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Courier / Messenger Fee paid by Borrower: $75.00 Government Technology Fee paid by Borrower: $70.00 Lender's Title Insurance Policy paid by Borrower: $560.00 Points - Loan Discount Fee paid by Borrower: $12,613.80 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-04/20/2026 |
Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx xxxxx 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached rebuttal. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/01/2026 Counter-The reference cited pertains to xxxxxx Rule 80-11-2-.02(k), which addresses minimum recordkeeping requirements and does not independently determine finance charge treatment. The xxxxxx Fair Lending Act relies on the federal finance charge framework under the Truth in Lending Act and Regulation Z. If the borrower affirmatively selects the attorney (i.e., “I/We select”), and the fee is bona fide and reasonable, the attorney fee may be excluded from the finance charge and, consequently, from the xxxxxx Fair Lending Act points and fees test. In such cases, Rule 80-11-2-.02(k) requires the lender to retain documentation evidencing the borrower’s selection. However, where the borrower indicates “I/We have no preference… and request that the Lender select an acceptable closing attorney,” including situations involving a lender affiliate, the attorney fee is not eligible for exclusion and must be included in the federal finance charge. Accordingly, it must also be included in xxxxxx high-cost (HC) testing. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/30/2026 Counter-Finding is valid - Due Diligence Vendor-04/22/2026 Ready for Review-This condition still shows open in your Portal - Due Diligence Vendor-04/22/2026 Open-**************************** xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~xxxxxx Fair Lending Act (xxxxxx SB 53) in the amount of $65.42~~~~~xxxxxx High Cost Home Loan Points and Fees Threshold Test Inclusion Appraisal Fee - affiliate paid by Borrower: $140.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: $300.00 Closing Protection Letter Fee paid by Borrower: $50.00 Courier / Messenger Fee paid by Borrower: $75.00 Document Preparation Fee paid by Borrower: $43.00 Funding, Wire, or Disbursement Fee paid by Borrower: $85.00 Government Technology Fee paid by Borrower: $70.00 xxxxx Registration Fee paid by Borrower: $24.95 Points - Loan Discount Fee paid by Borrower: $12,613.80 Processing Fee paid by Borrower: $5.00 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxxxxx SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount isxxxxxx or more.The lesser of 8 percent of the total loan amount or xxxxxx if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Full Review857933_xxxxxx_4_29_2026_25206_PM.zip Full Review857933_xxxxxx_4_29_2026_24856_PM.zip Full Review857933_xxxxxx_5_11_2026_60925_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached attestation. - Buyer-04/30/2026 Open-*****************xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47 ~~~~~~~~~~~~~~ Appraisal Fee - affiliate paid by Borrower: $140.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Courier / Messenger Fee paid by Borrower: $75.00 Government Technology Fee paid by Borrower: $70.00 Lender's Title Insurance Policy paid by Borrower: $560.00 Points - Loan Discount Fee paid by Borrower: $12,613.80 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-04/20/2026 |
Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Lender Cert xxxxxx AMC Fee attestation.pdf xxxxxx rebuttal.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open-*****************xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47 ~~~~~~~~~~~~~~ Appraisal Fee - affiliate paid by Borrower: $140.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Courier / Messenger Fee paid by Borrower: $75.00 Government Technology Fee paid by Borrower: $70.00 Lender's Title Insurance Policy paid by Borrower: $560.00 Points - Loan Discount Fee paid by Borrower: $12,613.80 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,566.80 vs Comparative Data $16,016.33 = Variance of $550.47~~~~~~~~~~~~~~ High-Cost Mortgage Points and Fees Threshold Test Inclusion Appraisal Fee paid by Borrower: $580.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Courier / Messenger Fee paid by Borrower: $75.00 Government Technology Fee paid by Borrower: $70.00 Lender's Title Insurance Policy paid by Borrower: $560.00 Points - Loan Discount Fee paid by Borrower: $12,613.80 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-04/20/2026 |
Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. xxxxxx. Please see attached 20/20 Affiliated Status with xxxxxx, Lender Cert for the Appraisal fee (AMC $140) as well as Right to Select Settlement Agent / Closing Attorney - Due Diligence Vendor-05/12/2026 Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open-*****************xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47 ~~~~~~~~~~~~~~ Appraisal Fee - affiliate paid by Borrower: $140.00 Appraisal Management Fee paid by Borrower: $175.00 Appraisal Re-Inspection Fee paid by Borrower: $175.00 Courier / Messenger Fee paid by Borrower: $75.00 Government Technology Fee paid by Borrower: $70.00 Lender's Title Insurance Policy paid by Borrower: $560.00 Points - Loan Discount Fee paid by Borrower: $12,613.80 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Sub-Escrow Fee paid by Borrower: $770.00 Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-04/20/2026 |
Resolved-***Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Full Review857933_xxxxxx_5_11_2026_61005_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-17 08:18 | 2026-04-17 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/17/2026 Open-Missing Lender Worksheet or Bank Statement Summary Missing Lenders Bank statement Income worksheet from the Loan file. - Due Diligence Vendor-04/17/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
857933_xxxxxx_857933_xxxxxx_ANALYSIS_2-23-26_SM_(1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857933 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-16 16:13 | 2026-04-17 09:17 | Resolved | 1 - Information | D | A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-04/17/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved- - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
857933_xxxxxx_1004D.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858009 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858025 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-02-24 05:09 | 2026-02-27 14:56 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Validated - Due Diligence Vendor-02/27/2026 Ready for Review-Please see attached xxxxxx Approval. *xxxxxx Approval for our Non-Del Channel is acceptable for loan terms, please escalate to management. - Due Diligence Vendor-02/27/2026 Counter-The Loan approval states DSCR as 1.06 vs Audited DSCR of 0.962 - the Difference in the DSCR cal is due to Lender is using PITIA $2453.33 (P&I $2010.13, Taxes xxxxxx, HOI $156.50, Flood $0, HOA $0) Vs Audited PITIA of $2,495.5 (P&I $2010.13, taxes xxxxxx, HOI $198.66, No Flood or HOA) HOI Policy states annual premium as 2384.00 / 12 = $198.66 - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/25/2026 Open-1008/Underwriting Summary Not Provided Final 1008 was not uploaded. Please provide final 1008. - Due Diligence Vendor-02/24/2026 |
Resolved-Validated - Due Diligence Vendor-02/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.86 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858025_xxxxxx_Loan#858025_LDL-Report_2-12-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858027 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858036 | xxxxxx | C | A | B | A | A | A | C | A | Closed | xxxxxx | 2026-03-04 00:22 | 2026-03-05 08:46 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 Resolved- - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Final UW Approval - Due Diligence Vendor-03/05/2026 Open-1008/Underwriting Summary Not Provided Validated - Due Diligence Vendor-03/04/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 111.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 858036_xxxxxx_858036_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858036 | xxxxxx | C | A | B | A | A | A | C | A | Closed | xxxxxx | 2026-03-04 00:22 | 2026-03-05 08:46 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-03/05/2026 Resolved- - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Both the CU and LA were pulled on the same date. The credit memo attached allows for the lower score to be used if pulled at the same time. - Due Diligence Vendor-03/05/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) A Desk Review is not available in the file. The CU score is greater than 2.5. - Due Diligence Vendor-03/04/2026 |
Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-03/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 111.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 858036_xxxxxx_2025-02_Appraisal_Review_-_CU_and_LCA_(Clarifii).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858050 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 858051 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 09:54 | 2026-04-30 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 1040 Schedule E Missing | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/30/2026 Ready for Review-Not using rents in qualifying, hitting Borrower for Neg. Rents. Please waive. - Due Diligence Vendor-04/29/2026 Open-Borrower 1 1040 Schedule E Missing. Section 2.8.5.4.14 of Guidelines require Schedule E when using subject rental income when the transaction is a refinance using Standard Income Documentation. - Due Diligence Vendor-04/29/2026 |
Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.52 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 858051 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 09:36 | 2026-04-30 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-04/29/2026 Open-Borrower 1 Gap Credit Report is Missing. Section 2.6.2 of Guidelines requires a GAP credit report no more than 30-days prior to loan closing. - Due Diligence Vendor-04/29/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.52 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
858051_xxxxxx_xxxxxxUDMReport_xxxxxx_0472026064508070.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 858091 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-27 15:22 | 2026-03-08 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Docs provided - Due Diligence Vendor-03/08/2026 Ready for Review-Document Uploaded. Please see LLC docs for xxxxxx - Due Diligence Vendor-03/07/2026 Counter-the Entity Document provided are for xxxxxx the condition is for Missing Entity documents for xxxxxx - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Please see LLC docs - Due Diligence Vendor-03/05/2026 Open-Missing Entity documents for xxxxxx - Operating agreement/equivalent - Articles of organization/equivalent - Certificate of good standing - Evidence of EIN - Due Diligence Vendor-02/27/2026 |
Resolved-Entity Docs provided - Due Diligence Vendor-03/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858091_xxxxxx_docs.pdf 858091_xxxxxx_docs.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858091 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-01-29 15:19 | 2026-02-27 15:24 | Resolved | 1 - Information | C | A | Compliance | State Reg | Business Purpose State Specific Prepayment Penalty- xxxxxx | Resolved-Re-signed/Corrected Closing Documents now closing in an entity provided. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. please see corrected note and mortgage, along with executed loan docs - Due Diligence Vendor-02/27/2026 Open-Prepayment penalties are not permissible in the state of xxxxxx, when subject loan is made to a natural person(s) Note in the name of natural person - Due Diligence Vendor-01/29/2026 |
Resolved-Re-signed/Corrected Closing Documents now closing in an entity provided. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Full Review858091_xxxxxx_2_26_2026_53329_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858091 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-02 08:01 | 2026-02-27 15:21 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. please see corrected note and mortgage, along with executed loan docs - Due Diligence Vendor-02/27/2026 Open-Property Title Issue Property currently in the name of xxxxxx (which is owned by borrower), mortgage initially shows xxxxxx on page 1 but actual signer was borrower as individual on page 11 . No deed found in file transferring from xxxxxx to borrower's individual name. - Due Diligence Vendor-02/02/2026 |
Resolved- - Due Diligence Vendor-02/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858091_xxxxxx_Executed_Revised_Loan_Docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858106 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 05:56 | 2026-03-26 10:38 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/25/2026 Open-1008/Underwriting Summary Not Provided Final 1008 is missing, Provide Updated Final 1008. - Due Diligence Vendor-03/23/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
858106_xxxxxx_Loan_#858106_LDL-Report_UPDATED_2-17-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858157 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858220 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 858232 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-01-26 03:32 | 2026-01-30 14:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. - Seller-01/30/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 |
Ready for Review-Document Uploaded. - Seller-01/30/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Borrower exceeds minimum credit score requirement by at least 61 points. Current LTV is 15% less than max allowed. Reserves exceed minimum required by 2,328 months |
Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 858232 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-01-26 04:03 | 2026-01-26 04:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
• Borrower exceeds minimum credit score requirement by at least 61 points. • Current LTV is 15% less than max allowed. • Reserves exceed minimum required by 2,328 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 858232 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-01-26 04:02 | 2026-01-26 04:02 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/26/2026 |
Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
· Borrower exceeds minimum credit score requirement by at least 61 points. · Current LTV is 15% less than max allowed. · Reserves exceed minimum required by 2,328 months. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 858242 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-03-25 19:06 | 2026-03-30 08:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Provide LOE, evidence of re-recording the security instrument with Prepayment Penalty Rider - Due Diligence Vendor-03/25/2026 |
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-03/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858242_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 858242 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-19 22:52 | 2026-02-23 09:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-02/22/2026 Open-Title Document is missing - Due Diligence Vendor-02/20/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858242_xxxxxx.pdf 858242_xxxxxx_Commitment.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 858242 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-19 23:11 | 2026-02-23 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see fraud report - Due Diligence Vendor-02/22/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/20/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858242_xxxxxx_Fraud_2-4.pdf 858242_xxxxxx_Fraud.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 858246 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-03-26 12:44 | 2026-04-01 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Re-Recorded DOT (xxxxxx) with Riders provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see mortgage - Due Diligence Vendor-03/31/2026 Open-Provide LOE and evidence of re-recording for the Security Instrument - Due Diligence Vendor-03/26/2026 |
Resolved-Re-Recorded DOT (xxxxxx) with Riders provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858246_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider_-_xxxxxx.pdf 858246_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider_-_xxxxxx_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 858246 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-02-19 15:31 | 2026-02-22 12:45 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/22/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/19/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858246_xxxxxx_858246_xxxxxx_Final_LDL_2-10-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 858293 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 858365 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 19:51 | 2026-02-22 11:22 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. See final approval - Due Diligence Vendor-02/20/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/19/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858365_xxxxxx_858365_FINAL_ldl-report_25202682525_082525.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 858365 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-02-18 19:51 | 2026-02-22 11:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. Asset statement - Due Diligence Vendor-02/20/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2. Reserves required 2 months at $4,629.76; however, no assets in file - Due Diligence Vendor-02/19/2026 |
Resolved-Audited Reserves of 9.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
858365_xxxxxx_#2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 858581 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 858641 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 08:39 | 2026-03-26 11:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Lender exception for missing copy of original note for private mortgage - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 |
Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Lender exception for missing copy of original note for private mortgage - Due Diligence Vendor-03/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 166.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Credit score 10 points > minimum required Reserves exceed requirement by 10 months or more |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 858643 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 08:30 | 2026-03-26 08:30 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsLender exception for not having copy of original note for private mortgage. - Due Diligence Vendor-03/26/2026 | Waived-Exception granted with compensating factorsLender exception for not having copy of original note for private mortgage. - Due Diligence Vendor-03/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 151.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Credit score > 10 points over minimum LTV 5% or more below maximum allowed |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 858644 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-31 08:44 | 2026-04-15 19:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-04/15/2026 Waived-Exception granted with compensating factorsLender exception for proceeding without pay history on liens being paid off (in name of deceased prior owner) - Due Diligence Vendor-03/31/2026 |
Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-04/15/2026 Waived-Exception granted with compensating factorsLender exception for proceeding without pay history on liens being paid off (in name of deceased prior owner) - Due Diligence Vendor-03/31/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
LTV 10% or more below maximum allowed. | xxxxxx CORRECTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||
| 858644 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-31 08:43 | 2026-03-31 08:43 | Waived | 2 - Non-Material | B | B | Credit | Title | Title issue | Waived-Exception granted with compensating factorsLender exception for borrower not in title at time of application (in title after application) - Due Diligence Vendor-03/31/2026 | Waived-Exception granted with compensating factorsLender exception for borrower not in title at time of application (in title after application) - Due Diligence Vendor-03/31/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
LTV 10% or more below max allowed |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 858661 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 07:06 | 2026-03-19 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. See attached Condo Questionnaire. - Due Diligence Vendor-03/19/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/18/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858661_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858661 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 07:16 | 2026-03-19 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Master Policy includes the Walls In Coverage. Master Policy reuploaded. - Due Diligence Vendor-03/19/2026 Open-Missing HO-6 Master Insurance Policy Missing HO-6 master insurance policy documentation. Please provide the policy to verify required coverage. - Due Diligence Vendor-03/18/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858661_xxxxxx_Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858667 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-17 13:01 | 2026-03-09 14:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-03/09/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/09/2026 Counter-Document Uploaded. per the Guidelines (Attached) First time Investors are required to own a Primary Residence - the Bwr "currently RENTS" and their Prior Housing was SOLD. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. See attached updated 1003 - Due Diligence Vendor-03/02/2026 Open-Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-02/18/2026 Rescinded-Validated. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please see property detail report, borrower owns xxxxxx shown on initial application - Buyer-02/17/2026 Open-. Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-02/17/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-03/09/2026 Rescinded-Validated. - Due Diligence Vendor-02/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO exceeds minimum by 10+ points |
Compensating Factor 1 - Credit Score 10 points > minimum required Compensating Factor 2 - Reserves exceed requirement by 6 months or more |
xxxxxx.pdf 858667_xxxxxx_858667_1003.pdf Screenshot 2026-03-04 074553.jpg Screenshot 2026-03-04 074717.jpg Screenshot 2026-03-04 074735.jpg |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 858680 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 858687 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 05:20 | 2026-04-01 11:28 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 0.593 meets guideline minimum DSCR of 0. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please re-review. I have attached the DSCR Matrix. There is no minimum DSCR on the DSCR Program at this Loan Amount (xxxxxx). The Cross Collateral DSCR Matrix does have a .75 minimum, but this loan is just DSCR. xxxxxx! - Due Diligence Vendor-03/31/2026 Open-Calculated DSCR of 0.593 is less than guideline DSCR of 0.75. The calculated DSCR is 0.593, which falls below the minimum guideline requirement of 0.75 for each property. According to the Form 1008, the appraisal indicates actual rent of $3,200 per month and market rent of $5,400 per month. The lower actual rent of $3,200 per month has been used for qualification purposes. - Due Diligence Vendor-03/31/2026 |
Resolved-Calculated DSCR of 0.593 meets guideline minimum DSCR of 0. - Due Diligence Vendor-04/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 114.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858687_xxxxxx_DSCR_Matrix.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858748 | xxxxxx | A | A | A | A | A | A | A | A | A | A | * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 858760 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858784 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:21 | 2026-05-04 14:07 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cd and compliance log. - Due Diligence Vendor-05/01/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/29/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-05/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.08% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.83 Years |
Full Review858784_xxxxxx_4_30_2026_14803_PM.zip 858784_xxxxxx_FinalComplianceCheck.pdf 858784_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_160231.pdf 858784_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_124939.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858786 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-16 16:35 | 2026-04-27 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lenders worksheet and Updated 1008 provided - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. 2 years Tax transcripts, updated 1008, income calculation worksheet - Due Diligence Vendor-04/27/2026 Open-Provide the updated income worksheet and 1008 to reflect the correct income and DTI. - Due Diligence Vendor-04/16/2026 |
Resolved-Lenders worksheet and Updated 1008 provided - Due Diligence Vendor-04/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.73% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
858786_xxxxxx_1008.pdf 858786_xxxxxx_Income_Calculation_Sheet.pdf 858786_xxxxxx_TAX_RETURN_TRANSCRIPT_REPORT_SUMMARY.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858786 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-13 11:07 | 2026-03-24 12:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. See AVM and BPO - Due Diligence Vendor-03/24/2026 Open-Missing Second valuation per guideline requirement - Due Diligence Vendor-03/13/2026 |
Resolved-BPO provided - Due Diligence Vendor-03/24/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.73% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
858786_xxxxxx_AVM_REPORT.pdf 858786_xxxxxx_BROKER_PRICE_OPINION_REPORT.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858835 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-26 15:10 | 2026-02-26 15:13 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factors - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/26/2026 |
Waived-Exception granted with compensating factors - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 10.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
FICO 750 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 858845 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-17 14:02 | 2026-02-22 11:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-LOX and Property report provided. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. Please see the LOX from UW for your review! xxxxxx! - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements . Provide evidence of housing history and ownership. Subject borrower is not on the mortgage statement with xxxxxx that is being paid off on closing and the party showing on the statement is not on title. Additionally, the LLC docs provided do not show the unknown party on the xxxxxx statement. Review is unable to confirm is the borrower has rights to refinance or if established owner. Lease also shows the party on the xxxxxx statement. Borrower is not on any documentation other than the current LLC the loan is closing with. - Due Diligence Vendor-02/17/2026 |
Resolved-LOX and Property report provided. - Due Diligence Vendor-02/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
858845_LEVEL xxxxxx_LOX_from_UW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858845 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-17 05:17 | 2026-02-17 14:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 100000 Loan amount below minimum for selected program. - Due Diligence Vendor-02/17/2026 | Waived-Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 100000 Loan amount below minimum for selected program. - Due Diligence Vendor-02/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Credit Score 10 points > minimum required, Current primary home ownership > 10 years, Reserves exceed requirement by 2 months or more | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 858865 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 858886 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-02-27 19:08 | 2026-02-27 19:08 | Waived | 2 - Non-Material | B | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 1.242 is less than guideline DSCR of 1.25. We are requesting an exception on the DSCR slightly below the required 1.25 for the xxxxxx loan amount - Due Diligence Vendor-02/28/2026 | Waived-Exception granted with compensating factorsCalculated DSCR of 1.242 is less than guideline DSCR of 1.25. We are requesting an exception on the DSCR slightly below the required 1.25 for the xxxxxx loan amount - Due Diligence Vendor-02/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.57% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Credit Score 10 points > minimum required |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 858890 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858918 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-02-11 12:48 | 2026-02-15 06:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. - Buyer-02/13/2026 Open-The Deed of Trust is Missing for subject property address. - Due Diligence Vendor-02/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | xxxxxx - Deed of Trust.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 858928 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 858961 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859036 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 17:01 | 2026-02-24 14:05 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/23/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/20/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 25.67 Years |
859036_xxxxxx_859036_FINAL_ldl-report_213202613470_134700.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859049 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859076 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 15:48 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. See underwriting approval - Due Diligence Vendor-03/06/2026 Open-1008/Underwriting Summary Not Provided Final 1008 was not provided on the loan file. - Due Diligence Vendor-03/06/2026 Open-1008/Underwriting Summary Not Provided Final 1008 was not provided on the loan file. - Due Diligence Vendor-03/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |
859076_xxxxxx_859076_ldl-report_2202026924_090204.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859076 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:31 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with compensating factorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |
Waived-Exception granted with compensating factorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 859076 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:30 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |
Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 859076 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. * Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |
Waived-Exception granted with compensating factorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 859094 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859132 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859135 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859147 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-06-10 22:55 | 2026-06-10 22:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with compensating factors to waive evidence of 6 months payments for private mortgage note. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of last 6 months payments. Guideline requires validation of most recent 6 months payments for a private mortgage. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted with compensating factorsException granted with compensating factors to waive evidence of 6 months payments for private mortgage note. - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
- Credit Score 30+ points > minimum required - DSCR > 1.3 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 859147 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 10:23 | 2026-04-06 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached Operating Agreement. - Due Diligence Vendor-04/03/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Title vesting in an LLC, section 8 of title confirming that Articles of Formation (organization), an Operating Agreement (or equivalents of these), a certificate of good standing. These documents were not uploaded to the file. Please provide. - Due Diligence Vendor-04/02/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859147_xxxxxx_56600997.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859151 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859229 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 09:55 | 2026-03-06 15:59 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.033 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-03/06/2026 Resolved-Calculated DSCR of 0.995 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-02/23/2026 Open-Calculated DSCR of 0.995 is less than guideline DSCR of 1. The calculated DSCR of 0.995 is below the minimum guideline requirement of 1.00. Please review and advise on any compensating factors or provide updated documentation to support eligibility. - Due Diligence Vendor-02/20/2026 |
Resolved-Calculated DSCR of 1.033 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-03/06/2026 Resolved-Calculated DSCR of 0.995 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 859229 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 09:37 | 2026-03-06 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2026 Resolved-Document Uploaded. - Due Diligence Vendor-03/03/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. HOI attached. - Due Diligence Vendor-02/22/2026 Open-Missing Hazard Insurance Policy A copy of the Hazard Insurance Policy was not found in the file. Please provide the policy so we can complete our review and proceed accordingly. - Due Diligence Vendor-02/20/2026 |
Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2026 Resolved-Document Uploaded. - Due Diligence Vendor-03/03/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
859229_xxxxxx_UPDATED_INSURANCE.pdf xxxxxx Correct HOI Citizens.pdf Correct HOI 859229.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859229 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 09:57 | 2026-02-26 17:55 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Approval provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/23/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/20/2026 |
Resolved-Approval provided - Due Diligence Vendor-02/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
859229_xxxxxx_Loan_#859229_LDL-Report_UPDATED_2-10-2026_(1).pdf 859229.1.pdf 859229.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |||
| 859229 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-20 09:46 | 2026-02-23 09:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-02/22/2026 Open-Missing Third Party Fraud Report The Third-Party Fraud Report is currently missing from the file. Please provide a copy at your earliest convenience so we can complete our review and move forward. - Due Diligence Vendor-02/20/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
859229_xxxxxx_Fraud_Manager_3.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859243 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-10 13:37 | 2026-03-17 12:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/12/2026 - please see entity docs attached. - Due Diligence Vendor-03/17/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxxxxx - Due Diligence Vendor-03/10/2026 |
Resolved-Entity documents provided. - Due Diligence Vendor-03/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.05% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
859243_xxxxxx_xxxxxx_esc_docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859256 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859258 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-09 00:12 | 2026-03-10 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see attached entity documents. All of these docs were uploaded, including the EIN for the sole member LLC. - Due Diligence Vendor-03/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN, please provide - if none because sole member with zero employees, this is not required. - Due Diligence Vendor-03/09/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-03/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
859258_xxxxxx_HELOC.pdf 859258_xxxxxx_LLC_docs.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859258 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-09 01:21 | 2026-03-10 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/10/2026 Ready for Review-Please see attached HELOC documents. These HELOC docs were uploaded already, as well. - Due Diligence Vendor-03/10/2026 Open-Asset 3 Missing Proceeds From Secured Loan' proof of docs are missing in file, please provide - Due Diligence Vendor-03/09/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
859258_xxxxxx_HELOC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859268 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:34 | 2026-05-06 13:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/04/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review859268_xxxxxx_5_1_2026_22513_PM.zip 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_200600.pdf 859268_xxxxxx_FinalComplianceCheck.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_192114.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_201407.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_180956.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_165207.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_152844.pdf 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_080635.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859268 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-06 13:01 | 2026-05-06 13:46 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-N/A - Due Diligence Vendor-05/06/2026 Resolved- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Resolved-N/A - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 859271 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859307 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-02-13 17:37 | 2026-02-22 09:35 | Waived | 2 - Non-Material | C | B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with compensating factorsException granted with supporting comp factors: for AVM confidence score is less than 90% - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-02/18/2026 Counter-Missing approved Lender exception for AVM confidence score is less than 90% - Due Diligence Vendor-02/15/2026 Ready for Review-xxxxxx Team, the AVM from xxxxxx so we accept the confidence is 87 or greater. This AVM is 89%, so please waive this condition. xxxxxx - Seller-02/14/2026 Open-Confidence Score <90%. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-02/18/2026 Ready for Review-xxxxxx Team, the AVM from xxxxxx so we accept the confidence is 87 or greater. This AVM is 89%, so please waive this condition. xxxxxx - Seller-02/14/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: for AVM confidence score is less than 90% - Due Diligence Vendor-02/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years |
BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS |
AVM exception-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 859309 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859314 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859451 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Buyer-05/11/2026 Counter-***Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $188.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/21/2026 |
Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859451 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 Counter-***Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 |
Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859451 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Buyer-05/11/2026 Counter-***Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 |
Resolved-***Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859451 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 10:53 | 2026-04-21 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/17/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure & Revised Closing Disclosure we have COC dated on xxxxxx . Please provide complete TRID disclosure history and all TRID disclosures (CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Full Review859451_xxxxxx_4_16_2026_54028_PM.zip 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_230352.pdf 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_200756.pdf 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_095321.pdf 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_161435.pdf 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_125846.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859451 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 03:20 | 2026-04-17 07:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/16/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/15/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Missing Lender Worksheet or Bank Statement Summary | 859451_xxxxxx_859451_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859467 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859607 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 23:28 | 2026-05-04 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached Condo Questionnaire. - Due Diligence Vendor-05/04/2026 Open-HOA Questionnaire Document status is Missing. HOA questionnaire is required to vet xxxxxx criteria for established projects that do not have a CPM ID. - Due Diligence Vendor-05/01/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/04/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 32.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 48.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
859607_xxxxxx_Update_Q_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859607 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-23 11:14 | 2026-04-24 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached Master Cert. - Due Diligence Vendor-04/24/2026 Open-Missing HO-6 Master Insurance Policy The file is missing the HO-6 master insurance policy. Please provide a copy for review. - Due Diligence Vendor-04/23/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 32.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 48.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
859607_xxxxxx_MC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859623 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-13 10:48 | 2026-03-05 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Based on all documentation received thus far, all documents satisfy rental payment history. - Due Diligence Vendor-03/05/2026 Ready for Review-3/2/26 - Please re-review. We no longer have a prepayment of rent. As previously stated, an updated 1003 was provided to reference prior property Bwr owned and lived at. the Property Profile report validates the mortgage with xxxxxx, currently reporting history on her current credit report documents satisfactory pay history from 12/2021-11/2025. Bwr started renting current residence 6/2025 - 6/2026. The combo of the two is more than sufficient to document paid as agreed housing history. Please clear condition. - Buyer-03/02/2026 Counter-Prepaid payments do not satisfy guideline requirement of most recent 12 month history - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. 2/27/26 - Please see attached1003 that shows prior address and a detailed property profile report to validate the mortgage with xxxxxx reporting on her current credit report to validate prior acceptable housing history payment prior to current rental residence. 12 months prior and present housing history adequately documented. Please clear. Documents also uploaded directly thru to xxxxxx to avoid receipt delays. - Buyer-02/27/2026 Counter-Missing evidence of VOR/housing history payments for most recent 12 month period. provided lease and payment evidences payments from June 2025 through June 2026. Prepaid payments do not satisfy guideline requirement of most recent 12 month history; Missing evidence of housing/rental payment history covering March-June 2025. - Due Diligence Vendor-02/25/2026 Ready for Review-Please see page 3 of lease uploaded on xxxxxx to verify xxxxxx is the landlord. $44,100 was paid on 6/09/25 from xxxxxx (Borrower) account to xxxxxx, landlord for annual rent for property xxxxxx (see pages 28 & 29 of lease uploaded). - Due Diligence Vendor-02/25/2026 Counter-The Documents provided does not provide a payment History for rental payments, the Final 1003 states he's been renting at xxxxxx since xxxxxx - Missing all Months of Rent payments - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. 2/17/26 - please see attached. - Due Diligence Vendor-02/18/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. xxxxxx - Due Diligence Vendor-02/13/2026 |
Resolved-Based on all documentation received thus far, all documents satisfy rental payment history. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 36.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859623_xxxxxx_VOR.pdf xxxxxx (1).pdf xxxxxx 1003 and property profile.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859631 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 04:24 | 2026-03-24 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Bank account - Due Diligence Vendor-03/23/2026 Open-Asset 1 Missing Provide the bank statement for xxxxxx account ending in 8656, reflecting a balance of $239,300, to verify assets for cash to close and required reserves. - Due Diligence Vendor-03/18/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-03/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 59.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859631_xxxxxx_Jan-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859631 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 03:52 | 2026-03-24 10:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. HOI RCE - Due Diligence Vendor-03/23/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing Replacement Cost Estimator (RCE) documentation. Hazard insurance coverage is insufficient, as the current coverage amount of xxxxxx is below the minimum required amount of $xxxxxx. The RCE was not provided to support the adequacy of coverage. - Due Diligence Vendor-03/18/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 59.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859631_xxxxxx_HOI_RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859635 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859636 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-02-13 16:01 | 2026-02-22 08:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. Please see business cert - Due Diligence Vendor-02/20/2026 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-02/13/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-02/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 100.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
859636_xxxxxx_business_purpose.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859648 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 03:20 | 2026-03-31 18:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-03/31/2026 Open-Missing HO-6 Master Insurance Policy HO-6 Master Insurance Policy is missing. - Due Diligence Vendor-03/17/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Full Review859648_xxxxxx_3_17_2026_120553_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859648 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 03:04 | 2026-03-18 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached HOA Questionnaire. - Due Diligence Vendor-03/17/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/17/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
859648_xxxxxx_updated_Q.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859648 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 05:11 | 2026-03-17 18:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 77.89 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Cash Out $178,784.13. - Due Diligence Vendor-03/17/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2 Validated - Due Diligence Vendor-03/17/2026 |
Resolved-Audited Reserves of 77.89 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-03/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
859648_xxxxxx_Certificates_Property_General_Liability_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859677 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859694 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 15:09 | 2026-05-21 08:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Revised 1003 and 1008 attached - Due Diligence Vendor-05/20/2026 Open-The final 1003 discloses the properties located at xxxxxx but the total monthly liability for the properties was not correctly disclosed. The xxxxxx loan xxxxxx disclosed for xxxxxx is actually secured with xxxxxx, as confirmed by the mortgage statement in the file. In addition, the properties located at xxxxxx were not disclosed with any monthly liability. Lender to provide the final 1003 that accurately discloses the total monthly liability for the properties located at xxxxxx. - Due Diligence Vendor-05/12/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
Full Review859694_xxxxxx_5_20_2026_125454_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859694 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-12 15:01 | 2026-05-19 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Lender provided LOE - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Credit Inquiry LOX attached. - Due Diligence Vendor-05/18/2026 Open-The file does not contain a letter of explanation as required by guidelines for the 12/23/2025 and 12/27/2025 inquiries reflected in the Credit Report; all are within 90 days of the Credit Report date. Per the guidelines, credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. Lender to provide the borrower's signed letter of explanation for the inquiries. - Due Diligence Vendor-05/12/2026 |
Resolved-Lender provided LOE - Due Diligence Vendor-05/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
859694_xxxxxx_Complete_with_Docusign_xxxxxx_Inquir.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859721 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 14:47 | 2026-05-06 08:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-05/01/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/29/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Full Review859721_xxxxxx_4_30_2026_22659_PM.zip 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_155402.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_123105.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_202626.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_185114.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_140231.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_211549.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_185412.pdf 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_145339.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859728 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859755 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-02-13 13:00 | 2026-02-20 16:12 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Full field review - Seller-02/18/2026 Open-Field review provided is blank. No CU or LCA score in file. Provide 3rd party valuation. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. Full field review - Seller-02/18/2026 |
Resolved-Field review provided - Due Diligence Vendor-02/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FIELD REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859758 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-10 05:11 | 2026-02-14 09:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow that the builder is in control of HOA - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. - Seller-02/13/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow that the builder is in control of HOA - Due Diligence Vendor-02/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
DSCR of 2.64 FICO of 810 is 150 points higher than minimum required. Post closing reserves of 498.20 months. |
EXCEPTION FORM - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 859758 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-10 05:58 | 2026-02-13 11:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is ineligible - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-Ineligible Vesting. Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is ineligible - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is ineligible - Due Diligence Vendor-02/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
DSCR of 2.64 FICO of 810 is 150 points higher than minimum required. Post closing reserves of 498.20 months. |
EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |
| 859763 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 08:11 | 2026-03-16 08:11 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsNo primary housing history. Seek exception to allow. - Due Diligence Vendor-03/16/2026 | Waived-Exception granted with compensating factorsNo primary housing history. Seek exception to allow. - Due Diligence Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 76.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 29.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
- TV/CLTV 10% or more below the maximum allowed under applicable guidelines - DSCR > 1.3 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 859815 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859822 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-05-05 16:12 | 2026-05-07 15:19 | Resolved | 1 - Information | C | A | Property | Appraisal | Primary Value Product Not Allowable for 2nd Lien HPML | Resolved-1004 appraisal provided. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached Appraisal - Due Diligence Vendor-05/07/2026 Open-Loan is a Higher Priced Mortgage Loan (HPML) 2nd lien and the original valuation product provided is an AVM. Per guidelines, a full appraisal is required. comp factor - Due Diligence Vendor-05/05/2026 |
Resolved-1004 appraisal provided. - Due Diligence Vendor-05/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
859822_xxxxxx_Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859835 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-16 18:20 | 2026-04-30 13:43 | Cured | 2 - Non-Material | C | B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Cured-Corrected ROR form issued with proof of delivery, xxxxxx - xxxxxx - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see NORTC Attached for review. - Due Diligence Vendor-04/29/2026 Counter-***Received copy of the same NORTC that is in the original file. Finding remains unresolved. The loan being refinanced and paid off was originated by the same lender that is originating the subject loan. This is considered a same lender refinance and the correct Notice of Right to Cancel should be in the H9 form model. The NORTC in the original file is in the H8, new creditor, form model. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached Right to Cancel Form. - Due Diligence Vendor-04/17/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/16/2026 |
Cured-Corrected ROR form issued with proof of delivery, xxxxxx - xxxxxx - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Full Review859835_xxxxxx_4_17_2026_114953_AM.zip 859835_xxxxxx_nortc.pdf 859835_xxxxxx_NORTC_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859835 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-16 11:57 | 2026-04-21 08:57 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/16/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Full Review859835_xxxxxx_4_17_2026_114904_AM.zip 859835_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_212214.pdf 859835_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_150218.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859838 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 09:58 | 2026-03-17 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. please see title - Due Diligence Vendor-03/17/2026 Open-Title Document is missing for subject property address. - Due Diligence Vendor-03/16/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-03/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 64.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
859838_xxxxxx_Title_Commitment_334k.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 859847 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-26 15:37 | 2026-03-05 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Lender provided additional information showing funds and reserves coming from 2 xxxxxx accounts. xxxxxx moved to 0% usage. Also provided OA to show xxxxxx owned by B1. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. EMC Cleared Bank, Gift, Cashout (for reserves), and xxxxxx xxxxxx $125,265.00 xxxxxx (Biz) - AND xxxxxx xxxxxx (reserves) - Due Diligence Vendor-03/04/2026 Counter-Provided xxxxxx xxxxxx used in qualifying - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. xxxxxx Bank xxxxxx used in qualifying. - Due Diligence Vendor-03/02/2026 Open-Asset 1 Missing with xxxxxx xxxxxx $125,000 used for FTC and Reserves if/as applicable - Due Diligence Vendor-02/26/2026 |
Resolved-Lender provided additional information showing funds and reserves coming from 2 xxxxxx accounts. xxxxxx moved to 0% usage. Also provided OA to show xxxxxx owned by B1. - Due Diligence Vendor-03/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859852_xxxxxx_859852_Assets.pdf 859852_xxxxxx_GIFT_LETTER_summary_(1).pdf 859852_xxxxxx_CASH_TO_CLOSE_JAN_ACCOUNT.pdf 859852_xxxxxx_CURRENT_BALANCE_FOR_RESERVES_.pdf 859852_xxxxxx_gift-letter.pdf 859852_xxxxxx_OA_(1)_(1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-26 15:13 | 2026-03-05 09:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Please see attached Rider. - Due Diligence Vendor-03/05/2026 Open-1-4 Family Rider is Missing The 1-4 Family Rider is missing - Due Diligence Vendor-02/27/2026 |
Resolved- - Due Diligence Vendor-03/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859852_xxxxxx_20260224140932_001.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-26 15:13 | 2026-03-05 09:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Please see attached Rider. - Due Diligence Vendor-03/05/2026 Open-Condo Rider is Missing The fully executed Condo Rider is missing - Due Diligence Vendor-02/27/2026 |
Resolved- - Due Diligence Vendor-03/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859852_xxxxxx_20260224140932_001.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-26 16:06 | 2026-03-03 14:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see xxxxxx Approval - NonDel - Due Diligence Vendor-03/02/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/26/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859852_xxxxxx_859852_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-27 13:47 | 2026-03-03 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see attached documented Gift Funds. - Due Diligence Vendor-03/02/2026 Open-Asset 2 Missing Asset 2 missing - Gift $45,000 from xxxxxx. Not shown on CD nor doc to support source, receipt. - Due Diligence Vendor-02/27/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
859852_xxxxxx_GIFT_FUNDS_TRANSFERRED_TO_xxxxxx.pdf 859852_xxxxxx_859852_Assets.pdf 859852_xxxxxx_ACCT[8].pdf 859852_xxxxxx_GIFT_LETTER_summary.pdf 859852_xxxxxx_TRANSFER_TO_TITLE[41].pdf 859852_xxxxxx_UPDATED_GIFT_LETTER.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859852 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-27 13:47 | 2026-03-03 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see attached documented Gift Funds. - Due Diligence Vendor-03/02/2026 Open-Asset 3 Missing Asset 2 missing Gift $35,000 from xxxxxx. Not shown on CD nor doc to support source, receipt. - Due Diligence Vendor-02/27/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Full Review859852_xxxxxx_2_27_2026_42820_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859865 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 09:57 | 2026-05-01 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached 1008/1003 - Asset removed. - Buyer-04/30/2026 Open-Added asset information. - Due Diligence Vendor-04/07/2026 Open-Asset 4 Missing - xxxxxx xxxxxx. - Due Diligence Vendor-04/07/2026 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.7 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.09 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxxxxx 1008.pdf xxxxxx 1003.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859865 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-06 09:35 | 2026-04-08 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/07/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/06/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.7 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.09 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
859865_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 859944 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859948 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 05:45 | 2026-03-27 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. The 1008 commented by the UW reserves from proceeds of transaction, please see attached settlement statement showing proceeds for $93K. - Due Diligence Vendor-03/27/2026 Open-Asset 1 Missing Missing Checking Statement for DSCR Loan Acct xxxxxx for xxxxxx per the 1003 - Due Diligence Vendor-03/26/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-03/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 82.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.58 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 51.43% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 639 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points |
859948_xxxxxx_Settlement_Statement.pdf 859948_xxxxxx_1008.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 859952 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 859965 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 859987 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 18:47 | 2026-03-27 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-received EIN - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Requested has been attached - Seller-03/26/2026 Counter-the condition is asking for the full EIN of xxxxxx - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. The EIN letter date is xxxxxx, which is the exact date all the other corp docs were created and verified with the state. - Seller-03/10/2026 Counter-the EIN (IRS form) provided is for xxxxxx - the condition is asking for the full EIN of xxxxxx - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Docs uploaded - Seller-03/05/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN for xxxxxx. CPA letter provided for entity confirms the EIN for this entity ends in xxxxxx - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Requested has been attached - Seller-03/26/2026 Ready for Review-Document Uploaded. The EIN letter date is xxxxxx, which is the exact date all the other corp docs were created and verified with the state. - Seller-03/10/2026 Ready for Review-Document Uploaded. Docs uploaded - Seller-03/05/2026 |
Resolved-received EIN - Due Diligence Vendor-03/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
EIN.pdf xxxxxx EIN.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 859987 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-04 18:46 | 2026-03-05 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Signed Final HUD provided - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Please attached - Seller-03/05/2026 Open-Missing final settlement statement or equivalent. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Please attached - Seller-03/05/2026 |
Resolved-Signed Final HUD provided - Due Diligence Vendor-03/05/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
HUD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860007 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 860042 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-10 11:30 | 2026-04-10 11:30 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75%. - Due Diligence Vendor-04/10/2026 | Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% Lender exception for LTV with 696 credit score vs 700 needed for 80% LTV. - Due Diligence Vendor-04/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years Qualifying FICO exceeds guideline minimum by 20+ points |
Current home ownership > 5 years Credit score > 20 points over minimum |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 860047 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860049 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860064 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 860076 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-15 10:04 | 2026-04-21 13:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 Open-******Documentation provided does not contain the MISSING INITIAL CLOSING DISCLOSURE. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.. - Due Diligence Vendor-04/15/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.84% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
860076_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_154425.pdf 860076_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_172013.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860127 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-02-17 07:40 | 2026-02-25 08:34 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk review provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-. Provide an Enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved AMC as required for all loans. In lieu of desk review, field review or second appraisal allowed. If review value is >10% lower than appraisal, second appraisal required. Lower of the two values is used - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-Enhanced Desk review provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
CCA_OTHER APPRAISAL REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860127 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-02-16 05:15 | 2026-02-25 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-Personal Guaranty is missing. . Provide executed Personal Guaranty for xxxxxx. Subject to review and possible additional conditions. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
MISC SIGNED DOCS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860130 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-03 08:24 | 2026-04-17 10:06 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Counter-***Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |
Final closing CD xxxxxx.pdf COC xxxxxx.pdf COC xxxxxx.pdf CD xxxxxx.pdf CD xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860130 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-see other cond for docs - Seller-04/16/2026 Counter-***Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 Ready for Review-see other condition for document - Seller-04/14/2026 Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,050.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-see other cond for docs - Seller-04/16/2026 Ready for Review-see other condition for document - Seller-04/14/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860130 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-see other cond for docs - Seller-04/16/2026 Counter-***Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 Ready for Review-see other condition for document - Seller-04/14/2026 Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,165.72.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-see other cond for docs - Seller-04/16/2026 Ready for Review-see other condition for document - Seller-04/14/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860130 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-see other cond for docs - Seller-04/16/2026 Counter-***Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 Ready for Review-see other condition for document - Seller-04/14/2026 Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-see other cond for docs - Seller-04/16/2026 Ready for Review-see other condition for document - Seller-04/14/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860130 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-see other cond for docs - Seller-04/16/2026 Counter-***Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 Ready for Review-see other condition for document - Seller-04/14/2026 Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-see other cond for docs - Seller-04/16/2026 Ready for Review-see other condition for document - Seller-04/14/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-29 09:37 | 2026-05-19 22:28 | Resolved | 1 - Information | C | A | Credit | Borrower | Ineligible Vesting | Resolved-Title policy provided now reflecting vesting as xxxxxx xxxxxx - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. See updated title with proposed borrower xxxxxx xxxxxx. - Due Diligence Vendor-05/14/2026 Open-Ineligible Vesting. Per title work available in file, borrower looks to be as an individual. However, the Note and DOT were executed on behalf of xxxxxx xxxxxx. Missing updated title work that shows borrower vesting as xxxxxx xxxxxx. If property is to be vested to the borrower individually, Note and DOT to be re-executed to align. - Due Diligence Vendor-04/29/2026 |
Resolved-Title policy provided now reflecting vesting as xxxxxx xxxxxx - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |
860139_xxxxxx_Title_2.pdf 860139_xxxxxx_Title.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 11:52 | 2026-05-19 22:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-04/14/2026 Open-Personal Guaranty is missing. - Due Diligence Vendor-03/12/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |
xxxxxx_Guaranty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 09:01 | 2026-05-19 22:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. See attached Certificate of Formation, EIN verifying borrower as sole member and active status verifying good standing. - Due Diligence Vendor-05/14/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement and evidence of EIN. - Due Diligence Vendor-03/12/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |
860139_xxxxxx_Active_and_xxxxxx.pdf 860139_xxxxxx-GFE.pdf 860139_xxxxxx_Certificate.pdf 860139_xxxxxx_Cert.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860139 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 09:00 | 2026-05-19 22:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement for xxxxxx (escrowed) and First payment letter (escrowed) for xxxxxx provided - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Buyer-04/14/2026 Open-Missing mortgage statement for xxxxxx missing mortgage statement and HOI - Due Diligence Vendor-03/12/2026 |
Resolved-Mortgage statement for xxxxxx (escrowed) and First payment letter (escrowed) for xxxxxx provided - Due Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |
mtg statements.pdf xxxxxx_Both_property-MS (1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860143 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860151 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-08 03:20 | 2026-03-09 14:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/09/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/08/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
860151_xxxxxx_860151_ldl-report_2262026143152_143152.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860162 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-07 14:55 | 2026-05-07 14:55 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | HOA questionaire does not meet guidelines | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. Condo Investor Concentration greater than 60% - Due Diligence Vendor-05/07/2026 |
Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. Condo Investor Concentration greater than 60% - Due Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
FICO Score 10 points > minimum required DTI <= 36% which is below requirement in guidelines Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 860233 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860236 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 11:05 | 2026-04-01 16:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-03/26/2026 Counter-The condition is for Updated 1008 from the Lender as LTV/CLTV is not matching due to Appraised Value of xxxxxx vs Lenders Value of xxxxxx. - Due Diligence Vendor-03/19/2026 Ready for Review-Yes, please provide updated 1008 - Due Diligence Vendor-03/19/2026 Open-1008/Underwriting Summary Partially Provided LTV/CLTV is not matching due to Appraised Value, provide updated 1008. - Due Diligence Vendor-03/18/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 57.14% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 11 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 11.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
860236_xxxxxx_1008.pdf xxxxxx_Tax Cert.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860243 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-02-26 07:28 | 2026-03-02 13:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. 2/27/26 - please see 1008. - Due Diligence Vendor-02/27/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/26/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 114.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
860243_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860249 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860265 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860289 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860295 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860305 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 17:03 | 2026-03-17 16:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-Updated addendums and rider, CD present. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/16/2026 Open-Revised Prepayment Penalty and Terms to be reviewed. - Due Diligence Vendor-03/13/2026 |
Resolved-Updated addendums and rider, CD present. - Due Diligence Vendor-03/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.23% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 679 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
xxxxxx updated PP docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-15 18:27 | 2026-05-13 14:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***Received missing disclosures - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser’s denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. ******resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 Open-******Documentation provided does not contain the Revised Loan Estimate however COC available on xxxxxx Please provide complete TRID disclosure history and all TRID disclosures (LEs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
AmendedClosingDisclosure_xxxxxx__xxxxxx_141407.pdf ClosingStatementBuyer_xxxxxx_14-24.pdf xxxxxx summary.pdf Full Review860321_xxxxxx_5_5_2026_51949_PM.zip Full Review860321_xxxxxx_5_12_2026_122223_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-15 18:31 | 2026-05-13 14:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser’s denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached inital cd and interim cds including compliance lo. - Due Diligence Vendor-05/06/2026 Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. ******resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open-Documentation provided does not contain the Initial closing disclosure & Revised closing Disclosure however COC available on xxxxxx Please provide complete TRID disclosure history and all TRID disclosures (CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
Full Review860321_xxxxxx_5_5_2026_51949_PM.zip Full Review860321_xxxxxx_5_12_2026_122139_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser’s denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 Ready for Review-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $216.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. ******resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $416.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,430.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,430.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
Full Review860321_xxxxxx_5_5_2026_52627_PM.zip Full Review860321_xxxxxx_5_12_2026_122248_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser’s denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. ******resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
Full Review860321_xxxxxx_5_5_2026_51733_PM.zip Full Review860321_xxxxxx_5_12_2026_122322_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser’s denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. ******resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
Full Review860321_xxxxxx_5_5_2026_52441_PM.zip Full Review860321_xxxxxx_5_12_2026_122346_PM.zip 860321_xxxxxx_rebuttal.pdf 860321_xxxxxx_rebuttal_(1).pdf 860321_xxxxxx_discl_summary_(1).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-15 18:33 | 2026-04-24 18:11 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-reasonable & paid to affiliate - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 |
Resolved-reasonable & paid to affiliate - Due Diligence Vendor-04/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 860321 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-04-15 02:45 | 2026-04-17 09:19 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-04/17/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-04/15/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |
860321_xxxxxx_1004D.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860322 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860329 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860340 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860346 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 04:15 | 2026-03-17 04:15 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exception to Current Guideline: VOR received from xxxxxx that is private owned -did not receive canceled checks / bank statements - Due Diligence Vendor-03/17/2026 | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exception to Current Guideline: VOR received from xxxxxx that is private owned -did not receive canceled checks / bank statements - Due Diligence Vendor-03/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 132.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Reserves exceed requirement by 10 months or more Experienced investor owns and manages 2 or more properties for 12 months DSCR > 1.15 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 860356 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860379 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-24 16:26 | 2026-03-24 16:37 | Waived | 2 - Non-Material | B | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 0.812 is less than guideline DSCR of 1. DSCR score <1 for First time investor - Due Diligence Vendor-03/24/2026 | Waived-Exception granted with compensating factorsCalculated DSCR of 0.812 is less than guideline DSCR of 1. DSCR score <1 for First time investor - Due Diligence Vendor-03/24/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 715.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Credit Score 10 points > minimum required LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Reserves exceed requirement by 2 months or more |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 860382 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-03-06 11:37 | 2026-04-24 13:01 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026 Ready for Review-3/6/26 - please rescind condition. You have the Loan approval. It's even indexed as "Loan Approval" w/in your document menu. - Buyer-03/10/2026 Open-1008/Underwriting Summary Not Provided Final 1008 not on file with rest of uploaded documents. Please provide - Due Diligence Vendor-03/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 860382 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-03-06 08:58 | 2026-03-13 13:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Client states maximum allowable by Law for xxxxxx mortgage default rate will apply. - Due Diligence Vendor-03/13/2026 Ready for Review-- 3/11/26 - Lender response: Please see Section A, the Note defines the Default Rate as the Maximum Interest Rate. The Note further defines Maximum Interest Rate as the maximum amount of interest allowed by applicable law. The applicable default interest rate is governed by xxxxxx law rather than a fixed percentage. - Due Diligence Vendor-03/13/2026 Open-Note references default rate multiple times in section H, but no actual default rate percentage is given, either there or in the loan agreement between the lender and the client's LLC. Please provide, as currently we are using state allowed max rate 35% as the defacto default rate. - Due Diligence Vendor-03/06/2026 |
Resolved-Client states maximum allowable by Law for xxxxxx mortgage default rate will apply. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 860382 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-03-06 11:03 | 2026-03-11 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. 3/10/26 - please see insurance docs attached - Due Diligence Vendor-03/11/2026 Open-Missing Hazard Insurance Policy Loan file has no documents for subject property that confirm HOI, outside of the amount on the HUD. Steadily Insurance HOI policy is not uploaded with the rest of the documentation to review. Please provide. - Due Diligence Vendor-03/06/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
860382_xxxxxx-Binder_(1).pdf 860382_xxxxxx-RCE.pdf 860382_xxxxxx-Invoice_(1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860386 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860390 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-02-27 01:46 | 2026-03-04 10:57 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. 1008 attached - Seller-03/03/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. 1008 attached - Seller-03/03/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 52.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860397 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 13:51 | 2026-04-03 13:29 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Final Title provided. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. 4/2/26 - Please see attached Final Title Policy. - Buyer-04/02/2026 Open-Property Title Issue Provide title supplement indicating the final title policy will be clear and other liens fully satisfied. The title in file shows #16 as a Vendor's Lien w Grantee(s): xxxxxx recorded on xxxxxx and Title shows two other liens on subject on #5 on title commitment recorded xxxxxx. Please confirm satisfied and removal. - Due Diligence Vendor-03/23/2026 Open-Property Title Issue The title commitment reflected other liens not showing satisfied and or paid on final settlement statement. Preliminary title report shows on #16 on title shows Vendor's Lien w Grantee(s): xxxxxx,a xxxxxx on xxxxxx and Title reflected to other liens on subject on #5 on title commitment recorded xxxxxx. Please provide title supplement indicating these liens are satisfied and will not be on final title policy and or subordinated to subject 1st lien. - Due Diligence Vendor-03/23/2026 |
Resolved-Final Title provided. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Experienced Real Estate Investor - Borrower has long term real estate investment experience with multiple additional investment properties |
xxxxxx Final Title Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860397 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 13:45 | 2026-03-27 13:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Short reserves - Due Diligence Vendor-03/27/2026 Ready for Review-3/27/26 - The request for an exception to Lender's eligibility criteria is granted by xxxxxx. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Experienced investor owns and manages 2 or more properties for 12 months - Buyer-03/27/2026 Open-The required reserves are 6 months PITIA for subject property per xxxxxx DSCR guideline for xxxxxx Flow, borrowere is short reserves by -$4,355.71. - Due Diligence Vendor-03/23/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Short reserves - Due Diligence Vendor-03/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Experienced Real Estate Investor - Borrower has long term real estate investment experience with multiple additional investment properties |
Compensating Factor 1 - Credit Score 30+ points > minimum required Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Compensating Factor 3 - Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |||
| 860411 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860414 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860440 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-21 10:09 | 2026-03-24 14:50 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Loan Approval / Loan Terms. - Due Diligence Vendor-03/24/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 or Eligibility Review - Due Diligence Vendor-03/21/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1014.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
860440_xxxxxx_Loan_#860440_LDL-Report_3-16-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860464 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-03 10:29 | 2026-03-05 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-03/04/2026 Open-Title Document is missing - Due Diligence Vendor-03/03/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-03/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
860464_xxxxxx_Title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860467 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 11:06 | 2026-05-27 15:26 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing LE - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached disclosure summary and all LE/CDs sent to borrower throughout loan process. - Due Diligence Vendor-05/27/2026 Counter-***We are still missing the Revised LE issued within 3 business days of the initial rate lock date of xxxxxx. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please see attached Initial CD and Interim CD. - Due Diligence Vendor-05/15/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure is missing.Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-05/14/2026 |
Resolved-***Received missing LE - Due Diligence Vendor-05/27/2026 |
Full Review860467_xxxxxx_5_15_2026_22224_PM.zip 860467_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_161842.pdf 860467_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_123345.pdf Full Review860467_xxxxxx 5_27_2026_113901_AM.zip 860467_xxxxxx_TridDisclosureSummary.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 860467 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 11:07 | 2026-05-27 15:25 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing LE - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached disclosure summary and all LE/CDs sent to borrower throughout loan process. - Due Diligence Vendor-05/27/2026 Counter-***We are still missing the Revised LE issued within 3 business days of the initial rate lock date of xxxxxx. - Due Diligence Vendor-05/18/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please see attached Compliance Log. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received missing LE - Due Diligence Vendor-05/27/2026 |
Full Review860467_xxxxxx_5_15_2026_22408_PM.zip 860467_xxxxxx_FinalComplianceCheck.pdf Full Review860467_xxxxxx_5_27_2026_114010_AM.zip 860467_xxxxxx_TridDisclosureSummary.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 860477 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 15:22 | 2026-03-23 15:22 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 698 is less than Guideline FICO of 720 Credit score of 698 does not meet minimum requirement of 720 for escrow waiver - Due Diligence Vendor-03/23/2026 | Waived-Exception granted with compensating factorsAudited FICO of 698 is less than Guideline FICO of 720 Credit score of 698 does not meet minimum requirement of 720 for escrow waiver - Due Diligence Vendor-03/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 29.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 25.29% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.25 Years |
* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. * Subject property home ownership > 10 years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 860478 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-21 20:52 | 2026-03-26 09:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. 3/25/26 - Final 1003 - Due Diligence Vendor-03/26/2026 Open-The Final 1003 is Missing FOR Borrower 3 - Due Diligence Vendor-03/22/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | 860478_xxxxxx_Closing_singed_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860484 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-05 16:40 | 2026-03-26 10:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/26/2026 Ready for Review-3/25/26 - Exception granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Buyer-03/25/2026 Open-Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/24/2026 Open-Missing evidence of 1 year short term rental experience required in prior 12 months. 1008 notes First Time Investor, meets those requirements. (page 12 of xxxxxx guidelines) OR Lender exception for short term rental experience. - Due Diligence Vendor-03/23/2026 Open-Missing evidence of 1 year short term rental experience required in prior 12 months. 1008 notes First Time Investor, meets those requirements. (page 12 of xxxxxx guidelines) OR Lender exception for short term rental experience. - Due Diligence Vendor-03/05/2026 |
Waived-Exception granted with compensating factorsException granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Compensating Factor 2 - Credit Score 30+ points > minimum required Compensating Factor 3 - Reserves exceed requirement by 10 months or more |
xxxxxx xxxxxx.pdf 860484_xxxxxx.pdf 860484_xxxxxx_Program_Guidelines.pdf 860484_xxxxxx_LOE.pdf xxxxxx - xxxxxx report (2).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 860484 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-23 13:59 | 2026-03-23 14:19 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-xxxxxx report is fully present. - Due Diligence Vendor-03/23/2026 Ready for Review-Conditions uploaded - Due Diligence Vendor-03/23/2026 Open-Document Uploaded. - Due Diligence Vendor-03/23/2026 Open-Provide full xxxxxx rentalizer report - Due Diligence Vendor-03/23/2026 |
Resolved-xxxxxx report is fully present. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxxxxx xxxxxx.pdf xxxxxx - xxxxxx report.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860504 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860525 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-30 11:06 | 2026-05-01 10:01 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM and appraisal provided within range - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please re-review! xxxxxx UW used the xxxxxx AVM with Value of xxxxxx as the primary valuation source. When they received the AVM from xxxxxx, they rejected this due to the confidence being out of range. They then received the Exterior Only/2055 valuation to support which satisfied all the requirements. xxxxxx! - Due Diligence Vendor-04/30/2026 Open-AVM dated xxxxxx has a Confidence Score of 85%. - Due Diligence Vendor-04/30/2026 |
Resolved-AVM and appraisal provided within range - Due Diligence Vendor-05/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.89% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
860525_xxxxxx_7OZF0UQXJ9R82V8Y7IU0MODK-form_1_AVM_Automated_Valuation-2_(1).pdf 860525_xxxxxx_7OZF0UQXJ9R82V8Y7IU0MODK-form_1_Appraisal_Final_-1.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860527 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:38 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-**Received cure package - Due Diligence Vendor-05/21/2026 Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see copy of refund check, shipping label, PCCDD, and loe - Due Diligence Vendor-05/20/2026 Counter-**Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 Counter-*** title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30 - Due Diligence Vendor-05/07/2026 Ready for Review-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($179.00) exceed the comparable charges ($137.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see COC & Please see SPL - Due Diligence Vendor-05/06/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,247.36) exceed the comparable charges ($2,459.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-*****The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,247.36) exceed the comparable charges ($2,373.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Cured-**Received cure package - Due Diligence Vendor-05/21/2026 Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Full Review860527_xxxxxx_xxxxxx_5_6_2026_83817_AM.zip 860527_xxxxxx_SPL.pdf Full Review860527_xxxxxx_xxxxxx_5_20_2026_125740_PM.zip 860527_xxxxxx_letter_to_brw.pdf 860527_xxxxxx_label.pdf 860527_xxxxxx_refund_check.pdf 860527_xxxxxx_pccd.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860527 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:38 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-**Received cure package - Due Diligence Vendor-05/21/2026 Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Counter-**Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Seller rebuttal: Our Director of Postclosing and Closing reviewed - please see response and attached COC-It looks like the investor is holding the recording as to what it was on the initial LE. There was a COC done on xxxxxx increasing the recording because of a POA being added. This rest the tolerance so a cure is not needed - Due Diligence Vendor-05/14/2026 Counter-*** title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30 - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/06/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-*****The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Cured-**Received cure package - Due Diligence Vendor-05/21/2026 Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Full Review860527_xxxxxx_5_6_2026_84033_AM.zip Full Review860527_xxxxxx_5_14_2026_21443_PM.zip 860527_xxxxxx_POA.pdf 860527_xxxxxx_coc2.pdf 860527_xxxxxx_SPL.pdf 860527_xxxxxx_coc_1.pdf 860527_xxxxxx_(1).pdf xxxxxx tracking label (2).pdf xxxxxx letter to brw (1).pdf xxxxxx refund check (2).pdf pccd (7).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 860527 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:37 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/21/2026 Counter-**Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 Counter-*** title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30 - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/06/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-*****The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-**Received cure package - Due Diligence Vendor-05/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Full Review860527_xxxxxx_5_6_2026_84033_AM.zip xxxxxx tracking label (2).pdf pccd (7).pdf xxxxxx letter to brw (1).pdf xxxxxx refund check (2).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860560 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 01:25 | 2026-04-21 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. 4/20/26 - please see xxxxxx. - Due Diligence Vendor-04/20/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/15/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
860560_xxxxxx_FG.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860567 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860615 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860620 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860638 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-18 16:48 | 2026-03-19 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. LLC docs - Due Diligence Vendor-03/19/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Certificate of good standing - Due Diligence Vendor-03/18/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-03/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 24.08 Years | 860638_xxxxxx_Letter_of_Good_Standing_(56)_(1).pdf 860638_xxxxxx_Articles_of_organization_(59)_(1).pdf 860638_xxxxxx_Operating_Agreement_(78).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860650 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 06:13 | 2026-04-03 07:53 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-04/02/2026 Open-1008/Underwriting Summary Not Provided - Missing - Due Diligence Vendor-04/01/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
860650_xxxxxx_#860650_LDL-Report_3-26-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860654 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860730 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860732 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860737 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860768 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 05:22 | 2026-03-30 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-03/30/2026 Open-Title Document is missing - Due Diligence Vendor-03/27/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-03/30/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.62% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Title Document is missing | 860768_xxxxxx_title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 860771 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 13:08 | 2026-04-22 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/22/2026 Ready for Review-See title report - Due Diligence Vendor-04/22/2026 Open-Title Document is missing . Provide title, with complete chain, for the subject property transaction located at xxxxxx. Subject to review and possible additional conditions. - Due Diligence Vendor-04/20/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.53 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
860771_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860771 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 14:06 | 2026-04-22 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. See Gap - Due Diligence Vendor-04/22/2026 Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report as it is required no more than 30- days prior to loan closing or any time after closing. Subject credit report is 36 from the Note. - Due Diligence Vendor-04/20/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.53 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
validated | 860771_xxxxxx_UDM_Gap_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 860783 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860817 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-03-06 10:10 | 2026-03-14 06:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOE received - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Missing letter of explanation for inquiries, the credit explanation in loan file is not completed or executed. - Due Diligence Vendor-03/06/2026 |
Resolved-LOE received - Due Diligence Vendor-03/14/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxxxxx Credit LOX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860820 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 07:32 | 2026-03-19 11:14 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-03/18/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 or xxxxxx eligibility review - Due Diligence Vendor-03/17/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 860820_xxxxxx_860820_xxxxxx_Final_LDL_3-3-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 860838 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860854 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860867 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860875 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-02 04:31 | 2026-03-05 08:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Buyer-03/04/2026 Open-The Final 1003 is Incomplete Final 1003 Both Borrower Signature Missing. - Due Diligence Vendor-03/02/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years |
xxxxxx - 1003 Final Signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860894 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860918 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 860954 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 14:01 | 2026-03-24 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. LLC documents - Due Diligence Vendor-03/23/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide the Articles of Organization, or equivalent, for xxxxxx as it was not provided at the time of review. - Due Diligence Vendor-03/20/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-03/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
860954_xxxxxx_GOOD_STANDING.pdf 860954_xxxxxx_EIN.pdf Full Review860954_xxxxxx_xxxxxx_3_23_2026_90520_AM.zip |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 860972 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 860978 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860982 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 23:45 | 2026-03-31 09:04 | Waived | 2 - Non-Material | C | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Calculated DSCR of 0.813 is less than guideline DSCR of 1 - Due Diligence Vendor-03/31/2026 Ready for Review-xxxxxx granting an exception to Lender's eligibility criteria. Compensating Factor 1 - Current primary home ownership > 5 years / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Experienced investor owns and manages 10 or more properties for 12 months - Buyer-03/30/2026 Open-Calculated DSCR of 0.813 is less than guideline DSCR of 1. Loan is a cashout transaction and minimum DSCR is 1.0 for cashout. - Due Diligence Vendor-03/24/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Calculated DSCR of 0.813 is less than guideline DSCR of 1 - Due Diligence Vendor-03/31/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Compensating Factor 1 - Current primary home ownership > 5 years Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Compensating Factor 3 - Experienced investor owns and manages 10 or more properties for 12 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |||
| 860982 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-21 18:45 | 2026-03-27 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-lender updated - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. 3/25/26 - LLC docs attached. - Due Diligence Vendor-03/26/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide evidence of EIN for LLC name xxxxxx. - Due Diligence Vendor-03/21/2026 |
Resolved-lender updated - Due Diligence Vendor-03/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
860982_xxxxxx_LLC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 860985 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860988 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860989 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 860992 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 860994 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861082 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-10 14:23 | 2026-04-27 11:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached correspondence verifying borrower chose their own attorney prior to loan application. - Due Diligence Vendor-04/23/2026 Counter-*xxxxxx requires that lenders provide a "Notice of Right to Select Attorney" disclosure to the borrower advising of their right to select their own attorney. Lender to provide evidence that borrower selected the attorney as disclosed in Section H in order to exclude from Total of Payment and Finance Charge calculations. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Right To Select Attorney Service is not applicable to the loan. The rest are attached/ should have been delivered with the file - Due Diligence Vendor-04/13/2026 Open-******Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. ******Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-04/10/2026 |
Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review861082_xxxxxx_4_13_2026_10530_PM.zip Full Review861082_xxxxxx_4_23_2026_120810_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861082 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-14 17:16 | 2026-04-27 11:10 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached correspondence verifying borrower chose their own attorney prior to loan application. - Due Diligence Vendor-04/23/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $1,067,276.14. The disclosed finance charge of $1,066,183.97 is not considered accurate because it is understated by more than $100. ***********Lender comment provided in "Attorney Preference Letter missing or unexecuted" indicates the Lender excluded the attorney fee from the disclosed Finance Charge calculations in violation of xxxxxx disclosure rules. - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 |
Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review861082_xxxxxx_4_23_2026_120924_PM.zip 861082_xxxxxx_861082_Attorney_Preference_response.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861082 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-10 08:53 | 2026-04-22 12:53 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. See SSPL - Due Diligence Vendor-04/21/2026 Open-******Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. ******Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 Open-Application Date is xxxxxx, Service Provider List is not provided within 3 business days of application. - Due Diligence Vendor-04/10/2026 |
Resolved-***Received SSPL - Due Diligence Vendor-04/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review861082_xxxxxx_4_21_2026_81906_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861082 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-10 08:43 | 2026-04-14 09:49 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-**Received disclosure - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Right To Select Attorney Service is not applicable to the loan. The rest are attached/ should have been delivered with the file - Due Diligence Vendor-04/13/2026 Open-******Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. ******Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/10/2026 |
Resolved-**Received disclosure - Due Diligence Vendor-04/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review861082_xxxxxx_4_13_2026_10530_PM.zip 861082_xxxxxx_le1.pdf 861082_xxxxxx_ICD.pdf 861082_xxxxxx_coc_LE2.pdf 861082_xxxxxx_HOCA.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861090 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:44 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Ready for Review-Please see other condition for documents - Seller-04/10/2026 Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-Please see other condition for documents - Seller-04/10/2026 |
Cured-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861090 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:44 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/10/2026 |
Cured-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxxxx label xxxxxx.pdf PCCD xxxxxx.pdf LOE TC - xxxxxx.pdf Check xxxxxx Voucher pymt xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861090 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Ready for Review-Please see other condition for documents - Seller-04/10/2026 Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Ready for Review-Please see other condition for documents - Seller-04/10/2026 |
Resolved-***Received Cure package - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861098 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861141 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-07 02:02 | 2026-04-10 07:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 Open-Condo Rider is Missing - Due Diligence Vendor-04/07/2026 |
Resolved- - Due Diligence Vendor-04/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861141 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-07 02:02 | 2026-04-10 07:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/07/2026 Rescinded- - Due Diligence Vendor-04/07/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-04/07/2026 |
Resolved- - Due Diligence Vendor-04/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861141 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-04-07 01:30 | 2026-04-10 07:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 Open-The Deed of Trust is Missing The Deed of Trust is not included in the loan file. - Due Diligence Vendor-04/07/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861156 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861163 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-03-30 10:15 | 2026-04-08 15:20 | Waived | 2 - Non-Material | C | B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Exception granted with compensating factorsException to allow C4 property rating is accepted. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-04/08/2026 Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-03/31/2026 Open-SUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDLINES - Due Diligence Vendor-03/30/2026 |
Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-03/31/2026 |
Waived-Exception granted with compensating factorsException to allow C4 property rating is accepted. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-04/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
BORROWER'S FICO SCORE IS 165+ POINTS ABOVE THE MINIMUM REQUIRED BY THE PROGRAM; 0X30 MORTGAGE HISTORY REPORTED FOR 83 MONTHS IN CREDIT REPORT | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |
| 861169 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861175 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 06:57 | 2026-04-20 14:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Updated appraisal showing HOA is in control of the HOA - Due Diligence Vendor-04/20/2026 Open-Provide corrected page 1 of the appraisal, the HOA is no longer in control of the Developer. - Due Diligence Vendor-04/13/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-04/13/2026 |
Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
861175_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861175 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-17 14:18 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Resent 1008 hopefully not zipped - Buyer-04/17/2026 Counter-Unable to open Zip file, Please reupload - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-04/16/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861175_xxxxxx_4_16_2026_115500_AM.zip PC_xxxxxx_1008.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861175 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 17:49 | 2026-04-13 17:53 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsBorrower is refinancing an Investment property - the cash out is $1,320,000 and the max cash out per guidelines is $1,000,000. - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Waived-Exception granted with compensating factorsBorrower is refinancing an Investment property - the cash out is $1,320,000 and the max cash out per guidelines is $1,000,000. - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Credit Score 10 points > minimum required. Reserves exceed requirement by 2 months or more. Home Ownership Current primary home ownership > 2 years. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 861179 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861194 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861201 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861210 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-31 16:40 | 2026-04-01 14:49 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-04/01/2026 Open-Provide the missing xxxxxx 1008 (Underwriting Summary) for the subject property located at xxxxxx. The file does not include the required 1008 Underwriting Summary to support the lender’s underwriting decision, including income, assets, liabilities, and qualifying ratios. This document is required to validate the loan approval terms and calculation of qualifying metrics. Additional review may be required upon receipt. - Due Diligence Vendor-04/01/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.08 Years |
861210_xxxxxx_Loan_#861210_LDL-Report_3-26-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861226 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861235 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861255 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 07:21 | 2026-04-01 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. A copy of the CPM approval was provided in the closed loan package. I've also uploaded an LOX from our Condo Approval dept. for your review. - Due Diligence Vendor-03/31/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/27/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.04% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861255_xxxxxx_CPM.pdf 861255_xxxxxx_LOX_from_xxxxxx_Approval.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861255 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 07:31 | 2026-04-01 11:30 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. A copy of the attached CURRENT HOI policy was included in the closed-loan package. It did not expire until xxxxxx. Kindly waive this condition. - Due Diligence Vendor-03/31/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-03/27/2026 |
Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.04% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861255_xxxxxx_CURRENT_HOI_policy_2025_-_2026.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861266 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 09:25 | 2026-04-07 08:30 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-1008/Underwriting Summary Partially Provided Please provide updated 1008 showing xxxxxx unit instead of xxxxxx. Appraisal and other documents show SFR with ADU (which is currently unrented) - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxxxxx - revised 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 861267 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861301 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 03:30 | 2026-04-28 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached, HOA, Tax, and HOI documents. - Due Diligence Vendor-04/28/2026 Counter-No Attachment, Please reupload - Due Diligence Vendor-04/15/2026 Ready for Review-Please see attached Taxes, HOI & HOA premium confirm for xxxxxx. - Buyer-04/14/2026 Open-Provide HOA document for the primary residency located at the xxxxxx. Tax and Insurance available but its matched the expenses payment with Final 1003 and 1008. - Due Diligence Vendor-03/27/2026 |
Resolved-REO docs provided - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861301_xxxxxx_Tax.pdf 861301_xxxxxx_HOA.pdf 861301_xxxxxx_HOI.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861301 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 01:54 | 2026-04-28 14:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. HOA docs - Due Diligence Vendor-04/28/2026 Open-The Builder is in control of the HOA Currently the HOA is control under the Builder. - Due Diligence Vendor-03/27/2026 |
Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861301_xxxxxx_COI_-_xxxxxx.pdf 861301_xxxxxx_xxxxxx_docs.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861301 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-27 01:30 | 2026-04-09 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. Please see attached tax sheet for subject prop. - Due Diligence Vendor-04/09/2026 Open-Missing Property Tax Cert Provide Property Tax Document for the Subject property located at the xxxxxx. - Due Diligence Vendor-03/27/2026 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/09/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861301_xxxxxx_tax_sheet_subject.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861307 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861309 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861310 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 12:51 | 2026-04-02 13:58 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. 4/1/2026 - Please see attached Lender rebuttal to clarify and clear condition. - Buyer-04/01/2026 Counter-The Statement of Good standings does not reflect the Bwr's Business listed on their Bank statement. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. 3/27/26 - Please see attached to clear - Due Diligence Vendor-03/27/2026 Open-Asset Qualification Does Not Meet Guideline Requirements The funds to close on subject property are coming from borrowers business account under name of xxxxxx yet the business is dissolved per entity search, further verification is needed to verify business is active since funds to close are coming from business and business being dissolved is a concern. The CPA letter on page 147 verified borrower self employed business for 15 yrs. However, the Business corporation search page 145 xxxxxx stated business status is Dissolved. The most recent business bank statement in loan file on page 131 reflects zero income deposits. Further, xxxxxx report under employer section indicated the business last reported was in xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |
861310_xxxxxx_LOE_for_business_account_asset_condition.pdf xxxxxx LOE for Statement of Good Standings.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861331 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 16:28 | 2026-04-06 09:27 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/03/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/01/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties |
861331_xxxxxx_861331_FINAL_ldl-report_3242026152918_152918.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861331 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-01 15:56 | 2026-04-06 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/03/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/01/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties |
861331_xxxxxx_TLOxp_Appraiser_xxxxxx-Comprehensive-Report-xxxxxx.pdf 861331_xxxxxx_TLOxp-xxxxxx-Comprehensive-Report-xxxxxx.pdf 861331_xxxxxx_TLOxp-xxxxxx_V-Comprehensive-Report-xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861331 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 14:58 | 2026-04-02 14:59 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Divorce Decree is missing | Waived-Exception granted with compensating factorsAllow without legal separation agreement/divorce decree. - Due Diligence Vendor-04/02/2026 Open- - Due Diligence Vendor-04/02/2026 |
Waived-Exception granted with compensating factorsAllow without legal separation agreement/divorce decree. - Due Diligence Vendor-04/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties |
Experienced Investor - owns and manages 5 or more properties for 12 months. Reserves exceed requirement by 8 months or more. Housing (Mortgage) History 0x30 for 24 months on all mortgages. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 861348 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-19 02:55 | 2026-03-19 09:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-03/19/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-03/19/2026 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-03/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861392 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 13:43 | 2026-03-19 11:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-03/18/2026 Open-1008/Underwriting Summary Not Provided Final 1008 not provided with the rest of the upload package. Please provide. - Due Diligence Vendor-03/17/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
861392_xxxxxx_861392_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861401 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 03:06 | 2026-04-15 07:27 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Please see the attached xxxxxx Loan Approval - Loan Terms. - Due Diligence Vendor-04/15/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/14/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
861401_xxxxxx_861401_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861405 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861409 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861417 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861425 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861431 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861436 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861439 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-18 16:24 | 2026-05-21 16:51 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosure - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Initial CD - Due Diligence Vendor-05/20/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure ~~~Please provide complete TRID disclosure history and all TRID disclosures (Initial CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/18/2026 |
Resolved-Received missing disclosure - Due Diligence Vendor-05/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861439_xxxxxx_5_19_2026_23211_PM.zip 861439_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_120759.pdf 861439_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_165532.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861444 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861469 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861475 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | |||||||||||||||||||
| 861479 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-03-31 13:44 | 2026-03-31 13:46 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporing CU with a score of 1. - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 |
Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporing CU with a score of 1. - Due Diligence Vendor-03/31/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 61.6% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 20.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 102.91 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 10 points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 861486 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861494 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861495 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861499 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861569 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861576 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861580 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861585 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-08 18:26 | 2026-04-14 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. See worksheet and bank statements - Due Diligence Vendor-04/14/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/08/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 Years |
861585_xxxxxx_account_ending_6914_eStmt_2026-02-04_-_xxxxxx.pdf 861585_xxxxxx_icw.pdf 861585_xxxxxx_proof_of_rents.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861595 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861614 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861615 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-31 15:28 | 2026-03-31 15:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsDocument Uploaded. Client exception granted with compensating factors to allow LTV of 70% with a max of 65%. - Due Diligence Vendor-03/31/2026 Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-03/31/2026 |
Waived-Exception granted with compensating factorsDocument Uploaded. Client exception granted with compensating factors to allow LTV of 70% with a max of 65%. - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
DSCR > 1.15; Credit score 10 points > minimum required; Reserves exceed requirement by 2+ months | 861615_xxxxxx_approved_conditions_xxxxxx_115122_AM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||
| 861631 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861660 | xxxxxx | C | B | C | B | A | A | B | B | Closed | xxxxxx | 2026-04-27 02:28 | 2026-04-28 14:26 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terma. - Due Diligence Vendor-04/28/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/27/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
861660_xxxxxx_861660_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861660 | xxxxxx | C | B | C | B | A | A | B | B | Closed | xxxxxx | 2026-04-27 17:47 | 2026-04-27 17:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Subject Property Lot Size Exceeds Guideline Maximum | Waived-Client exception granted with compensating factors to allow subject property over 5 acres. - Due Diligence Vendor-04/27/2026 Open-Subject property is over 5 acres. Appraisal Appraiser is a state licensed appraiser and not state certified. - Due Diligence Vendor-04/27/2026 |
Waived-Client exception granted with compensating factors to allow subject property over 5 acres. - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | ||||
| 861660 | xxxxxx | C | B | C | B | A | A | B | B | Closed | xxxxxx | 2026-06-12 01:19 | 2026-06-12 01:19 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporting CU with a score of 1. - Due Diligence Vendor-06/12/2026 | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporting CU with a score of 1. - Due Diligence Vendor-06/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | ||||
| 861718 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861724 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861734 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-12 10:57 | 2026-03-13 03:05 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsLender exception for loan amount below minimum - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026 Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 Provide Lender exception for minimum Loan amount- Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $250,000. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026 |
Waived-Exception granted with compensating factorsLender exception for loan amount below minimum - Due Diligence Vendor-03/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Experienced Real Estate Investor - Borrower has long term investor experience with multiple additional investment properties |
Months of reserves greater than 6 months | xxxxxx_exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx | |
| 861746 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861750 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861767 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 11:58 | 2026-04-17 14:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. See attached settlement statement - Due Diligence Vendor-04/16/2026 Open-Missing settlement statement or Final CD. - Due Diligence Vendor-04/13/2026 |
Resolved- - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
861767_xxxxxx.pdf 861767_xxxxxx_FINAL_SS.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861767 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-04-13 08:07 | 2026-04-14 14:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. See attached pre approval - Due Diligence Vendor-04/14/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-04/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
861767_xxxxxx_Loan_#861767_LDL-Report_4-9-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861785 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-02 02:07 | 2026-04-06 16:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Settlement statement in file. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. 4/3/26 - Lender Response: This is a refinance and does not have a seller CD. Please clarify your finding as to what is incomplete/missing. - Due Diligence Vendor-04/06/2026 Open-Provided Settlement statement is incomplete, provide complete and final settlement statement. - Due Diligence Vendor-04/03/2026 |
Resolved-Settlement statement in file. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.86% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 205.83 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Full Review861785_xxxxxx_4_3_2026_70608_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861787 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861788 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-17 12:24 | 2026-04-17 12:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for condo project exception of a single entity owning 53% (max is 20%) - Due Diligence Vendor-04/17/2026 | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for xxxxxx project exception of a single entity owning 53% (max is 20%) - Due Diligence Vendor-04/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years |
0 x30 x 48 months for all mortgages credit score 30+ points over minimum reserves exceed requirement by 6 months or more (including cash out from other condo refinance) |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 861790 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-17 11:27 | 2026-04-17 11:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for single entity ownership at 53% - Due Diligence Vendor-04/17/2026 | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for single entity ownership at 53% - Due Diligence Vendor-04/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Credit score 30+ points > minimum 0x30x48 on all mortgages Reserves > 6 months requirements. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 861793 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 861795 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 60.18% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/23/2026 Open-Audited CLTV of 60.18% exceeds Guideline CLTV of 60% The maximum ltv/cltv is 60% per the lender guideline for xxxxxx program guidelines on page 19. - Due Diligence Vendor-03/23/2026 |
Resolved-Audited CLTV of 60.18% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861795 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 60.18% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-03/23/2026 Open-Audited LTV of 60.18% exceeds Guideline LTV of 60% The maximum ltv/cltv is 60% per the lender guideline for xxxxxx program guidelines on page 19. - Due Diligence Vendor-03/23/2026 |
Resolved-Audited LTV of 60.18% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-03/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861795 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 60.18% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/23/2026 Open-Audited HCLTV of 60.18% exceeds Guideline HCLTV of 60% The guideline maximum is 60% ltv/cltv per xxxxxx Product guideline dated per 19. - Due Diligence Vendor-03/23/2026 |
Resolved-Audited HCLTV of 60.18% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861797 | xxxxxx | D | A | A | A | C | A | D | A | Closed | xxxxxx | 2026-04-10 12:03 | 2026-04-17 07:51 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM and PDI provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Buyer-04/16/2026 Open- - Due Diligence Vendor-04/10/2026 |
Resolved-AVM and PDI provided - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
2 AVMS, PCI Reports.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861797 | xxxxxx | D | A | A | A | C | A | D | A | Closed | xxxxxx | 2026-04-08 13:25 | 2026-04-13 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received Initial CD - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see initial CD - Due Diligence Vendor-04/10/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/08/2026 |
Resolved-***Received Initial CD - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
Full Review861797_xxxxxx_4_10_2026_83227_AM.zip 861797_xxxxxx_Initial_CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861822 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 861825 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 09:42 | 2026-04-06 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Entity doc provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached EIN. - Due Diligence Vendor-04/06/2026 Open-Missing operating agreement and evidence of EIN. - Due Diligence Vendor-04/01/2026 |
Resolved-Entity doc provided - Due Diligence Vendor-04/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
861825_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861825 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-01 02:58 | 2026-04-06 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-04/06/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/01/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
861825_xxxxxx_DRIVE_Report_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861985 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-04-29 07:22 | 2026-05-04 08:10 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received ICD - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/04/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review861985_xxxxxx_4_30_2026_123026_PM.zip 861985_xxxxxx_TridDisclosureSummary_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861985 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-04-29 01:59 | 2026-04-30 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see Income Calculation Worksheet. - Due Diligence Vendor-04/30/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/29/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
861985_xxxxxx_861985_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861985 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-04-29 06:01 | 2026-04-29 06:01 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsProceed the report without at least 1 comparable with a xxxxxx. - Due Diligence Vendor-04/29/2026 | Waived-Exception granted with compensating factorsProceed the report without at least 1 comparable with a xxxxxx. - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 861996 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-08 10:16 | 2026-04-08 10:20 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsWe are requesting an exception on the minimum square footage on SFR. The subject property is xxxxxx SQ ft. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Waived-Exception granted with compensating factorsWe are requesting an exception on the minimum square footage on SFR. The subject property is xxxxxx SQ ft. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |
Credit Score 30+ points > minimum required. Transaction is a rate and term refinance. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 861999 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862012 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 07:02 | 2026-05-04 16:46 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided showing xxxxxx disbursement date - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. See LOX - Due Diligence Vendor-05/04/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx. Provide HO-6 Insurance Policy for note date xxxxxx. - Due Diligence Vendor-04/22/2026 |
Resolved-PCCD provided showing xxxxxx disbursement date - Due Diligence Vendor-05/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
862012_xxxxxx_LOX_FOR_HOI_EFFECTIVE_DATE_CONDITION.pdf 862012_xxxxxx_PCCD_ITEMS.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862012 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 10:08 | 2026-04-29 08:15 | Resolved | 1 - Information | A | A | Credit | Data | Verify Borrower Income and Employment | Resolved-LOX provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. LOX IRA distributions - Due Diligence Vendor-04/28/2026 Open-. - Due Diligence Vendor-04/22/2026 Open-Provide proof of Defined Contribution Plan income document for Borrower - xxxxxx income. - Due Diligence Vendor-04/22/2026 |
Resolved-LOX provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
862012_xxxxxx_-_IRA_distribution_worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862012 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 06:31 | 2026-04-24 07:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/23/2026 Open-Title Document is missing. Provide Title Commitment or Title Final for the subject property. - Due Diligence Vendor-04/22/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
862012_xxxxxx_POLICY.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862015 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-10 18:11 | 2026-03-04 09:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-1008/Underwriting Summary Not Provided Provide final 1008. The 1008 in file show final loan amount of $xxxxxx is xxxxxx which is giving a higher 36% ltv than 30% ltv stated on 1008 in file. - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.42 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
1008 Transmittal Summary - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 862071 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-17 11:01 | 2026-05-14 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-05/01/2026 Open-Purchase Contract Is Missing Provide Purchase agreement for the subject Property Located at the xxxxxx. - Due Diligence Vendor-04/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
862071_xxxxxx_contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862071 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-17 13:29 | 2026-05-14 09:54 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. See appraisal - Due Diligence Vendor-05/13/2026 Counter-xxxxxx provided file will not open - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. See appraisal - Due Diligence Vendor-05/05/2026 Open-CDA (secondary valuation found) the appraisal is not in the submitted loan file. Appraisal is Missing Provide Appraisal report for the subject Property located at the xxxxxx with Appraised value xxxxxx. - Due Diligence Vendor-04/29/2026 Ready for Review-Emailed TPR, there is a CDA in file, what is needed is a secondary evaluation. - Due Diligence Vendor-04/29/2026 Open-Appraisal is Missing Provide Appraisal report for the subject Property located at the xxxxxx with Appraised value xxxxxx. - Due Diligence Vendor-04/17/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-05/14/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
862071_xxxxxx_inspection.pdf 862071_xxxxxx_Appraisal-.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862082 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-03-20 07:52 | 2026-04-30 13:33 | Cured | 2 - Non-Material | D | B | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Cured-Correct ROR form type, executed by borrower post consummation, has been provided xxxxxx - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See attached LOE and NORTC - Due Diligence Vendor-04/29/2026 Counter-Received NORTC in the H8 form model intended for new lender/creditor. However, the title document in the original file indicate that xxxxxx is the original lender of the loan being paid off and also lender for the subject loan. The correct NORTC should be in the H9 form model. - Due Diligence Vendor-03/28/2026 Ready for Review-Document Uploaded. See attached RTC - Due Diligence Vendor-03/25/2026 Open-Right of Rescission is Missing **** The Notice of Right to Cancel has not been provided. - Due Diligence Vendor-03/20/2026 |
Cured-Correct ROR form type, executed by borrower post consummation, has been provided xxxxxx - Due Diligence Vendor-04/30/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.81% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.54% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |
862082_xxxxxx_NRTC.pdf Full Review862082_xxxxxx_4_28_2026_24233_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862098 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-07 22:17 | 2026-04-10 09:51 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Cost to Replace New from appraisal used for HOI coverage -see upload. - Due Diligence Vendor-04/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance OR satisfactory RCE. - Due Diligence Vendor-04/08/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/10/2026 |
Low qualifying LTV - Subject property has low qualifying LTV of 65% Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.50 Years |
862098_xxxxxx_using_cost_to_replace_new_on_appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862098 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-08 13:49 | 2026-04-08 13:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Exception granted with compensating factorsCredit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception to allow loan modification( extension of maturity date) < 12 months - Due Diligence Vendor-04/08/2026 | Waived-Exception granted with compensating factorsCredit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception to allow loan modification( extension of maturity date) < 12 months - Due Diligence Vendor-04/08/2026 |
Low qualifying LTV - Subject property has low qualifying LTV of 65% Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.50 Years |
Reduction in housing payment by 10% or greater 0x30x24 housing history Low LTV 65% |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 862116 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-08 13:24 | 2026-05-27 11:49 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Viable Full Appraisal provided to support origination valuation - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. 5/18/26 - rec'd full 2nd appraisal as secondary valuation. AV came in at xxxxxx. Please see attached. - Buyer-05/18/2026 Counter-Please provide viable secondary valuation product per guideline requirement. PCI was provided but is not a valuation product. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. 4/16/26 - Please see attached PCI and secondary valuation. - Due Diligence Vendor-04/17/2026 Open-Property Condition Inspection report in addition to an AVM. - Due Diligence Vendor-04/08/2026 |
Resolved-Viable Full Appraisal provided to support origination valuation - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |
862116_xxxxxx_appraisal.pdf appraisal (64).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862116 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-06 11:16 | 2026-05-27 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report received. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. 4/8/26 - please see attached gap credit. - Due Diligence Vendor-04/08/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/06/2026 |
Resolved-Gap credit report received. - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |
862116_xxxxxx_Gap_Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862116 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-05-27 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Full trust docs received. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. 4/9/26 - Please see Trust docs attached. - Due Diligence Vendor-04/10/2026 Open-The Certificate of Trust in loan file on page 678 needs signed/notarized. - Due Diligence Vendor-04/06/2026 |
Resolved-Full trust docs received. - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |
862116_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $16.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). **************** The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 |
Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 |
xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-**************** The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 |
Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 |
xxxxxx rebuttal (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-**************** The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 |
Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 |
xxxxxx rebuttal (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. **** ****High-Cost violation in the amount of $1066.56 has been verified. *** Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50 Points - Loan Discount Fee paid by Borrower: $6,246.63 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Settlement or Closing Fee paid by Borrower: $775.00 Title - Technology Fee paid by Borrower: $70.00 Title Courier Fee paid by Borrower: $75.00 Title Endorsement Fee paid by Borrower: $25.00 Title Endorsement Fee paid by Borrower: $83.15 Title Endorsement Fee paid by Borrower: $25.00 Underwriting Fee paid by Borrower: $995.00 Excluded Bona Fide Discount Points -$1,512.50 - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 |
Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |
20.20 Affiliate Status.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-**** ****High-Cost violation in the amount of $1066.56 has been verified. *** Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50 Points - Loan Discount Fee paid by Borrower: $6,246.63 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Settlement or Closing Fee paid by Borrower: $775.00 Title - Technology Fee paid by Borrower: $70.00 Title Courier Fee paid by Borrower: $75.00 Title Endorsement Fee paid by Borrower: $25.00 Title Endorsement Fee paid by Borrower: $83.15 Title Endorsement Fee paid by Borrower: $25.00 Underwriting Fee paid by Borrower: $995.00 Excluded Bona Fide Discount Points -$1,512.50 - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |
xxxxxx rebuttal (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Title fees are not paid to an affiliate of the lender and should not be included in the testing. LOE explaining non-affiliate status was previously provided. When fees are calculated correctly, loan passes Federal 5% threshold. Please see pg10-11 of compliance test showing passing result. - Seller-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-**** ****High-Cost violation in the amount of $1066.56 has been verified. *** Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50 Points - Loan Discount Fee paid by Borrower: $6,246.63 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Settlement or Closing Fee paid by Borrower: $775.00 Title - Technology Fee paid by Borrower: $70.00 Title Courier Fee paid by Borrower: $75.00 Title Endorsement Fee paid by Borrower: $25.00 Title Endorsement Fee paid by Borrower: $83.15 Title Endorsement Fee paid by Borrower: $25.00 Underwriting Fee paid by Borrower: $995.00 Excluded Bona Fide Discount Points -$1,512.50 - Due Diligence Vendor-04/30/2026 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $27,592.00 or more, and the transaction's total points and fees is $8,166.78, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than $27,592.00 and the transaction's total points and fees is $8,166.78, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or $1,380.00. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Ready for Review-Title fees are not paid to an affiliate of the lender and should not be included in the testing. LOE explaining non-affiliate status was previously provided. When fees are calculated correctly, loan passes Federal 5% threshold. Please see pg10-11 of compliance test showing passing result. - Seller-05/11/2026 |
Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. See attached Seller / Lender rebuttal. - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/04/2026 Open-**** ****High-Cost violation in the amount of $1066.56 has been verified. *** Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50 Points - Loan Discount Fee paid by Borrower: $6,246.63 Rate Lock Fee paid by Borrower: $500.00 Recording Service Fee paid by Borrower: $53.00 Settlement or Closing Fee paid by Borrower: $775.00 Title - Technology Fee paid by Borrower: $70.00 Title Courier Fee paid by Borrower: $75.00 Title Endorsement Fee paid by Borrower: $25.00 Title Endorsement Fee paid by Borrower: $83.15 Title Endorsement Fee paid by Borrower: $25.00 Underwriting Fee paid by Borrower: $995.00 Excluded Bona Fide Discount Points -$1,512.50 - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 |
Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |
20.20 Affiliate Status.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862120 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-30 08:11 | 2026-05-04 19:39 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached initial cd and interim cds and compliance log. - Due Diligence Vendor-05/01/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. ~~ according to the disclosure tracking, this should be dated xxxxxx~~~ Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |
Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 |
Full Review862120_xxxxxx_4_30_2026_15610_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862190 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862219 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 12:36 | 2026-05-12 08:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Final HUD-1 Document is Unexecuted | Resolved-signed HUD1 provided - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please find the executed Final SS. xxxxxx! - Due Diligence Vendor-05/12/2026 Counter-But that isn't signed or initialed either, usually there are signed page addendums. If not something that shows the borrower confirmed or signed the closing HUD-1. xxxxxx - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. The copy provided is the Certified and True Settlement statement from xxxxxx. xxxxxx! - Due Diligence Vendor-05/08/2026 Counter-Please provide a signed, executed copy of final HUD1 - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please find the Final Settlement Statement uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 Open-Missing Final CD in file - Due Diligence Vendor-05/05/2026 |
Resolved-signed HUD1 provided - Due Diligence Vendor-05/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
862219_xxxxxx_-_Settlement_Statement_FINAL_Buyer_Borrower.pdf 862219_xxxxxx_Settlement_Statement_FINAL_Buyer_Borrower.pdf 862219_xxxxxx_Signed_SS.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862219 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 12:24 | 2026-05-06 16:11 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please find the UW approval uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 Open-1008/Underwriting Summary Not Provided Require Final executed 1008. - Due Diligence Vendor-05/05/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
862219_xxxxxx_862219_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862233 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 02:01 | 2026-04-29 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See CPM - Due Diligence Vendor-04/29/2026 Open-HOA Questionnaire Document status is Missing. Provide HOA Questionnaire Document for Subject property Project xxxxxx - Due Diligence Vendor-04/28/2026 Rescinded-. - Due Diligence Vendor-04/28/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document status is Missing. Provide HOA Questionnaire Document for Subject property Project xxxxxx - Due Diligence Vendor-04/27/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 Rescinded-. - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
862233_xxxxxx_REBUTTAL_FOR_HOA_QUESTIONNAIRE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862233 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-28 09:35 | 2026-04-28 09:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Exception for a 1x30x12 - Due Diligence Vendor-04/28/2026 | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Exception for a 1x30x12 - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
Residual income more than 2.5x the amount required by guidelines. DTI <= 36% which is below requirement in guidelines. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 862243 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862336 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862487 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 862491 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 15:40 | 2026-05-21 11:20 | Resolved | 1 - Information | C | A | Credit | QM/ATR | ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI | Resolved-ATR: All Liabilities, Including Alimony And/Or Child Support, Included in DTI - Due Diligence Vendor-05/21/2026 Resolved-Child support order shows xxxxxx monthly. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see court child support docs - Due Diligence Vendor-05/20/2026 Counter-Only updated 1008 received. Please resend the payment/obligation for alimony and/or child support not to exceed $800 per month. or higher since DTI now reflects a higher amount but within guidelines. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/08/2026 Open-ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI Missing evidence of payment/obligation for alimony and/or chid support not to exceed $800 per month. - Due Diligence Vendor-04/30/2026 |
Resolved-ATR: All Liabilities, Including Alimony And/Or Child Support, Included in DTI - Due Diligence Vendor-05/21/2026 Resolved-Child support order shows xxxxxx per week x xxxxxx monthly. - Due Diligence Vendor-05/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
862491_xxxxxx.pdf 862491_xxxxxx_1008.pdf 862491_xxxxxx_2.pdf Full Review862491_xxxxxx_5_20_2026_125302_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862504 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-14 12:22 | 2026-04-20 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. 4/17/26 - Please see attached 1003. - Due Diligence Vendor-04/20/2026 Open-Missing updated 1003 showing citizenship status for B2 or co-guarantor. - Due Diligence Vendor-04/14/2026 |
Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
862504_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862507 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862513 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862515 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862516 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862522 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862523 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 16:45 | 2026-05-27 13:53 | Resolved | 1 - Information | C | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-Rerecorded Mortgage removing PUD provided - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Counter-please provide copy of recorded mortgage (to verify PUD removed) - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Counter-Documentation required for resolution include Corrected Security Instrument, page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-04/24/2026 Ready for Review-This is not supposed to be a PUD. let me know if we need to record or just do a correction of the DOT to take off PUD - Seller-04/23/2026 Counter-Document Uploaded. The Signed DOT states Property is located in a PUD and a PUD rider was recorded with the DOT. Missing HOA statement to confirm monthly fee. - Due Diligence Vendor-04/23/2026 Ready for Review-PUD on tape was incorrect, per appraisal property type is xxxxxx unit xxxxxx - Seller-04/22/2026 Open-Missing HOA statement for subject proeprty. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Ready for Review-This is not supposed to be a PUD. let me know if we need to record or just do a correction of the DOT to take off PUD - Seller-04/23/2026 Ready for Review-PUD on tape was incorrect, per appraisal property type is xxxxxx unit xxxxxx - Seller-04/22/2026 |
Resolved-Rerecorded Mortgage removing PUD provided - Due Diligence Vendor-05/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Screenshot 2026-04-23 115200.jpg Screenshot 2026-04-23 115253.jpg rerecord.pdf xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 10:54 | 2026-04-29 17:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Open-Personal Guaranty is Missing. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
copy-of-guaranty-xxxxxx-sign-this-one-merged (1) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 16:44 | 2026-04-23 11:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Missing Insurance documentation for xxxxxx - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-HOI policy provided - Due Diligence Vendor-04/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxxxxx POI_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862535 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 09:39 | 2026-04-17 07:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/17/2026 Ready for Review-Please see attached Guaranty Agreement, which was also in the closing package, starting on page 9. xxxxxx! - Due Diligence Vendor-04/16/2026 Open-Personal Guaranty is Missing. - Due Diligence Vendor-04/13/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 122.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 862535 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 03:35 | 2026-04-14 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see the attached used by our UW to satisfy this requirement. xxxxxx! - Due Diligence Vendor-04/13/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy Missing - Due Diligence Vendor-04/13/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 122.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862535_xxxxxx_binder.pdf 862535_xxxxxx_email_binders.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862536 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862546 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-20 07:13 | 2026-05-01 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Updated 1008, 1003 & Entity Documents provided - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see the provided Entity documents for xxxxxx. xxxxxx! - Buyer-05/01/2026 Counter-Provide missing business entity docs to support borrowers' ownership in xxxxxx asset provided ending in xxxxxx business name xxxxxx. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see attached. Includes a 3/31/2026 statement for xxxxxx.. xxxxxx! - Due Diligence Vendor-04/30/2026 Counter-Document Uploaded. Updated 1003 provided however it reflects 2 xxxxxx Account being used for Assets however only the xxxxxx for $5044.91 was provided - Missing xxxxxx with available funds of $6583.89 - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please find the 1003 uploaded. xxxxxx! - Due Diligence Vendor-04/30/2026 Counter-Document Uploaded. Per Final 1003 - xxxxxx iao $302,669.28 is listed as Assets, if no longer using these Assets and Updated 1003 & 1008 is needed. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see the provided bank statement our UW had used to qualify the reserves requirement. - Due Diligence Vendor-04/20/2026 Open-Asset 1 Missing . That is an incomplete system condition. The client has no idea what Asset 1 is in our system. Corrected to: Asset 1 Missing. Provide xxxxxx as disclosed on the final 1003 to cover required reserves for $3,380.96. No assets were provided at the time of review as required. - Due Diligence Vendor-04/20/2026 |
Resolved-Updated 1008, 1003 & Entity Documents provided - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
862546_xxxxxx checking xxxxxx.pdf Screenshot 2026-04-21 075749.jpg 862546_xxxxxx_1003.pdf Screenshot 2026-04-30 102828.jpg 862546_xxxxxx_Bank_statements_(1).pdf xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862546 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-20 10:37 | 2026-05-01 11:18 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Articles of Origination provided - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Please see the provided Entity documents for xxxxxx. xxxxxx! - Due Diligence Vendor-05/01/2026 Counter-Missing Signed and recorded xxxxxx QUITCLAIM DEED - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see the attached. xxxxxx! - Due Diligence Vendor-04/20/2026 Open-Property Title Issue . Provide documentation to show the borrower’s have ownership of xxxxxx as seen vested in prior to close. Subject was completed as a refinance however, no documentation of the LLC was provided to show the borrowers have the right to refi. - Due Diligence Vendor-04/20/2026 |
Resolved-Articles of Origination provided - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
862546_xxxxxx_deed_out_of_LLC_(1).pdf 862546_xxxxxx.pdf 862546_xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862546 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-20 10:42 | 2026-04-21 07:50 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Just obtained the CDA and then a field review uploaded to the file and see attached. The parcel xxxxxx from the appraisal matches with the Field review and CDA. - Due Diligence Vendor-04/21/2026 Open-. Provide an appraisal review product as it is required on every loan file unless a second appraisal is obtained. The appraisal review product should provide an “as is” value for the subject property (the “Appraisal Review Value”) as of the date of the subject loan transaction. Section 2.10.1.3.1. - Due Diligence Vendor-04/20/2026 |
Resolved-Field review provided - Due Diligence Vendor-04/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
862546_xxxxxx_cda_xxxxxx.pdf 862546_xxxxxx_field.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862549 | xxxxxx | B | A | A | A | B | A | A | A | Closed | xxxxxx | 2026-04-27 09:37 | 2026-04-29 12:27 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-BPL cert provided - Due Diligence Vendor-04/29/2026 Ready for Review- - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see business purpose disclosure - Due Diligence Vendor-04/28/2026 Open-Required Business Pupose Disclosure Missing. Guideline Section 2.4.10 requires a Borrower Statement of Business Purpose. File does not contain said discloser. - Due Diligence Vendor-04/27/2026 |
Resolved-BPL cert provided - Due Diligence Vendor-04/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.16% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Full Review862549_xxxxxx_4_28_2026_100952_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862560 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862569 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-16 17:07 | 2026-04-16 17:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Exception granted with compensating factors to allow multi 4 unit property; comparables are < 4 units - Due Diligence Vendor-04/16/2026 Open-Allow for multi 4 unit property - Due Diligence Vendor-04/16/2026 |
Waived-Exception granted with compensating factors to allow multi 4 unit property; comparables are < 4 units - Due Diligence Vendor-04/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 119.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 46.32% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 862612 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-10 12:19 | 2026-04-20 14:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Corrected 1003 & 1008. xxxxxx! - Due Diligence Vendor-04/20/2026 Counter-Document Uploaded. Provide updated 1003 reflecting the xxxxxx in the 2b section for EMD. Currently the Final 1003 reflects the funds are included in the total assets. - Due Diligence Vendor-04/14/2026 Ready for Review-Please note that Asset 2 (xxxxxx) was provided to validate the EMD. - Due Diligence Vendor-04/13/2026 Open-Asset 2 Expired xxxxxx is expired. Dated xxxxxx. Need updated statement as document date is > 120 days of note date of xxxxxx - Due Diligence Vendor-04/10/2026 Open-Added verbiage in the correct field. - Due Diligence Vendor-04/10/2026 |
Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-04/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Screenshot 2026-04-14 085741.jpg 862612_xxxxxx_Corrected_1008.pdf 862612_xxxxxx_Closing_1003_with_corrected_pg_3_(1).pdf 862612_xxxxxx_Closing_1003_with_corrected_pg_3_2.pdf 862612_xxxxxx_Closing_1003_with_corrected_pg_3.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862612 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 10:07 | 2026-04-13 10:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsAllow condotel with < 500 sq ft (xxxxxx). Property is a xxxxxx and does have a fully functioning xxxxxx. xxxxxx. - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Waived-Exception granted with compensating factorsAllow condotel with < 500 sq ft (xxxxxx). Property is a xxxxxx and does have a fully functioning xxxxxx. xxxxxx. - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 862648 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-11 10:27 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-****HPML Compliant: File contains one or more appraisals; no conveyance deed within 90 days or a Second appraisal, as required; Proof appraisal(s) delivered ≥3 days before consummation. Escrow account for taxes/insurance established. - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Appraisal delivery - Due Diligence Vendor-05/08/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ************ xxxxxx, public profile shows business days Monday - Friday. Date of Appraisal Delivery: xxxxxx 04:53:43 PM, is less than 3 business days prior to consummation. This loan is HPML non-compliant. - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-****HPML Compliant: File contains one or more appraisals; no conveyance deed within 90 days or a Second appraisal, as required; Proof appraisal(s) delivered ≥3 days before consummation. Escrow account for taxes/insurance established. - Due Diligence Vendor-05/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.32 Years |
Full Review862648_xxxxxx_5_8_2026_23235_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862648 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-11 10:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | xxxxxx Rate Spread Home Loan Test | Resolved-lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. documentation on undiscounted rate - Due Diligence Vendor-05/08/2026 Open-This loan failed the xxxxxx rate spread home loan test. ( xxxxxx GS §24-1.1F(a)(7) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the xxxxxx Rate Spread Home Loan Article section of the full xxxxxx report.While the xxxxxx Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. ********* Documentation provided does not include the undiscounted / Par rate to determine if discounts points can be excluded. - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence Vendor-05/11/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.32 Years |
Full Review862648_xxxxxx_5_8_2026_23451_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |||
| 862655 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 862659 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862678 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 09:50 | 2026-05-08 10:48 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please find the RCE uploaded. xxxxxx! - Due Diligence Vendor-05/08/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-05/06/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |
862678_xxxxxx_rce.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862678 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 10:34 | 2026-05-08 10:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-05/08/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |
862678_xxxxxx_862678_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 862678 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 11:24 | 2026-05-08 10:44 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 0.953 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please re-review. DSCR Matrix allows for <1.0 with the subject Ln Amt, LTV, Fico, etc... xxxxxx! - Due Diligence Vendor-05/08/2026 Open-Calculated DSCR of 0.953 is less than guideline DSCR of 1. - Due Diligence Vendor-05/06/2026 |
Resolved-Calculated DSCR of 0.953 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |
Calculated DSCR of 0.953 is less than guideline DSCR of 1. | 862678_xxxxxx_DSCRMatrix.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 862679 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-21 05:49 | 2026-04-23 07:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: An exception has been granted for the rural property with an area of xxxxxx acres, which exceeds the 20-acre limit. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, rural properties are allowed up to 20 acres. Per appraisal, the property is xxxxxx acres. Exception is missing - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: An exception has been granted for the rural property with an area of xxxxxx acres, which exceeds the 20-acre limit. - Due Diligence Vendor-04/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS |
xxxxxx_exception (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | |
| 862681 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 862686 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-22 05:15 | 2026-04-22 06:29 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsAllow VOR dated by lender 12/2/25, signed by landlord 2/5/26. - Due Diligence Vendor-04/22/2026 | Waived-Exception granted with compensating factorsAllow VOR dated by lender 12/2/25, signed by landlord 2/5/26. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 54.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
HousiHisto xxxxxx LTV/CLTV Credit Score 30+ points > minimum required HousiHisto xxxxxx Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 862692 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 862693 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-10 16:01 | 2026-04-10 16:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factors - Due Diligence Vendor-04/10/2026 Open-Ineligible entity purpose. Exception for corp stated purpose without Real estate investment as stated in purpose. - Due Diligence Vendor-04/10/2026 |
Waived-Exception granted with compensating factors - Due Diligence Vendor-04/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.21% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
1 LTV/CLTV LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. DSCR > 1.15. Credit Score 10 points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 862695 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $97.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/23/2026 |
Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review862724_xxxxxx_4_28_2026_100829_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 |
Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review862724_xxxxxx_4_28_2026_100622_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 Counter-***Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 |
Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review862724_xxxxxx_4_28_2026_100719_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 06:15 | 2026-04-23 13:43 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/23/2026 Ready for Review-Please re-review documentation provided, there CDs and LEs - Due Diligence Vendor-04/22/2026 Counter-All issued LE's provided. Upload is missing Initial Closing Disclosure and Revised Closing Disclosures (if any). - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. please see cd - Due Diligence Vendor-04/21/2026 Open-******Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/17/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review862724_xxxxxx t_4_20_2026_54420_PM.zip 862724_xxxxxx_LE's_&_CD's.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 06:14 | 2026-04-21 13:39 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Service provider list received - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see service provider - Due Diligence Vendor-04/21/2026 Open-******Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 Open-Service Provider List document is Missing. - Due Diligence Vendor-04/17/2026 |
Resolved-Service provider list received - Due Diligence Vendor-04/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review862724_xxxxxx_4_20_2026_53743_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862724 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 06:12 | 2026-04-21 13:38 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please see disclosure - Due Diligence Vendor-04/21/2026 Open-******Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/17/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
862724_xxxxxx_counseling_disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862726 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 862918 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-07 11:34 | 2026-05-08 16:52 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-BPO involves exterior inspection. - Due Diligence Vendor-05/08/2026 Ready for Review-Emailed the TPR: 2 new conditions just popped up on this one after the initial review was pushed over. One of the conditions was for the appraisal. I see there is a BPO and AVM in the file. This is a CES. - Due Diligence Vendor-05/08/2026 Open-Missing Property Condition Inspection in addition to the AVM. - Due Diligence Vendor-05/07/2026 |
Resolved-BPO involves exterior inspection. - Due Diligence Vendor-05/08/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.64 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.46% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 862922 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-28 17:26 | 2026-04-30 10:19 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-PCI provided with images dated 3.17.2026 - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/28/2026 |
Resolved-PCI provided with images dated xxxxxx - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
862922_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862922 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-28 02:43 | 2026-04-30 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-Title Search report provided - Title reflects 3 total Liens - in which the 2nd and 3rd Liens are being PIF with this Loan refinance. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. please see title - Due Diligence Vendor-04/30/2026 Open-Title Document is missing - Due Diligence Vendor-04/28/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-Title Search report provided - Title reflects 3 total Liens - in which the 2nd and 3rd Liens are being PIF with this Loan refinance. - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
862922_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:37 | 2026-04-09 13:22 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.000 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/09/2026 Resolved-Calculated DSCR of 0.830 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached 1007. - Due Diligence Vendor-04/08/2026 Open-Calculated DSCR of 0 is less than guideline DSCR of 0.75. Missing form 1007. - Due Diligence Vendor-04/06/2026 |
Resolved-Calculated DSCR of 1.000 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/09/2026 Resolved-Calculated DSCR of 0.830 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_1007.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:41 | 2026-04-09 07:22 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/08/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_862980_FINAL_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:41 | 2026-04-09 07:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.77 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2 MIssing assets stated in final 1003. - Due Diligence Vendor-04/06/2026 |
Resolved-Audited Reserves of 15.77 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Terms.pdf 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf 862980_xxxxxx_Asset_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 17:52 | 2026-04-09 07:19 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. Please see attached reuploaded Appraisal. - Buyer-04/08/2026 Counter-Unable to open Appraisal, Please reupload - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Appraisal. - Due Diligence Vendor-04/08/2026 Open-Appraisal is Missing - Due Diligence Vendor-04/06/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-04/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Appraisal.pdf Reuploaded Appraisal.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 17:52 | 2026-04-09 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Purchase Contract. - Due Diligence Vendor-04/08/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-04/06/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Purchase_contract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:20 | 2026-04-09 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/08/2026 Ready for Review-This isnt a condo we wouldnt require an HOA/condo questionnaire it is a SFR PUD-xxxxxx, not a condo. - Due Diligence Vendor-04/08/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-04/06/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Asset_2.pdf 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf 862980_xxxxxx_Terms.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/08/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $112393.88. Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Asset 1 Does Not Meet Guideline Requirements Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf 862980_xxxxxx_Terms.pdf 862980_xxxxxx_Asset_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Asset 1 Missing Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Terms.pdf 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf 862980_xxxxxx_Asset_2_2.pdf 862980_xxxxxx_Asset_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Asset 2 Does Not Meet Guideline Requirements Missing PCG showing in final 1003. - Due Diligence Vendor-04/06/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf 862980_xxxxxx_Terms.pdf 862980_xxxxxx_Asset_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026 Ready for Review-Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 Open-Asset 2 Missing Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-07 16:05 | 2026-04-08 14:32 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-SSR (UCDP) CU and LCA provided - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached SSR's - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/07/2026 |
Resolved-SSR (UCDP) CU and LCA provided - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_SSR'a.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:04 | 2026-04-08 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Credit Report. - Due Diligence Vendor-04/08/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/06/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 18:04 | 2026-04-08 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Credit Report. - Due Diligence Vendor-04/08/2026 Open-Borrower 2 Credit Report is Missing. Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/06/2026 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
862980_xxxxxx_Credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862980 | xxxxxx | D | A | D | A | D | A | D | A | Closed | xxxxxx | 2026-04-06 17:21 | 2026-04-08 14:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see attached Initial 1003. - Due Diligence Vendor-04/08/2026 Open-The Initial 1003 is Missing Missing initial application. - Due Diligence Vendor-04/06/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Full Review862980_xxxxxx_4_7_2026_45617_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 862991 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863016 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863026 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 11:11 | 2026-04-27 11:11 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements The exception is for the use of business funds (earnest money) in excess of ownership percentage. - Due Diligence Vendor-04/27/2026 | Waived-Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements The exception is for the use of business funds (earnest money) in excess of ownership percentage. - Due Diligence Vendor-04/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.44 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.43 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Credit Score 10 points > minimum required. DTI <= 36% which is below requirement in guidelines. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. Employment - Same Job Employed at same job > 10 years. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863035 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863036 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-21 15:19 | 2026-04-22 13:01 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/22/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/22/2026 Open-Audited Reserves of 3.01 are less than Guideline Required Reserves of 12. Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/21/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Compensating Factor 1 - Credit Score 30+ points > minimum required Compensating Factor 2 - Self-employed for > 5 years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 863132 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-24 10:58 | 2026-04-29 11:58 | Resolved | 1 - Information | C | A | Property | Property Issue | Property documentation indicates active litigation | Resolved-Subject Property Unit xxxxxx is not listed - Milestone Inspection Report provided - HOA currently in Litigation due to The association is suing xxxxxx. Report also reflects units xxxxxx / Unit xxxxxx / Unit xxxxxx / Unit xxxxxx. / Unit xxxxxx and Unit xxxxxx. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached Complaint. - Seller-04/29/2026 Open-Property documentation indicates active litigation. Additional Documentation needed. The provided Eligibility Review indicates the project is involved in a litigation. Condition states: Provided the pending lawsuit between the HOA and xxxxxx. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. Please see attached Complaint. - Seller-04/29/2026 |
Resolved-Subject Property Unit xxxxxx is not listed - Milestone Inspection Report provided - HOA currently in Litigation due to The association is suing xxxxxx. Report also reflects units xxxxxx / Unit xxxxxx / Unit xxxxxx / Unit xxxxxx. / Unit xxxxxx. - Due Diligence Vendor-04/29/2026 |
Complaint (xxxxxx(25228310.1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 01:36 | 2026-04-29 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached Questionnaire. - Buyer-04/29/2026 Counter-Missing Condo Questionnaire - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached Complaint. - Due Diligence Vendor-04/27/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-04/23/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 |
863145_xxxxxx_9-2025_Building_1301_Assessment_milestone_DOC091925.pdf 863145_xxxxxx_Complaint_(xxxxxx(25228310.1).pdf 863145_xxxxxx_Email_work_has_been_completed.pdf 863145_xxxxxx_8-11-2025_xxxxxx_Amended_Complaint_xxxxxx_(1).pdf 863145_xxxxxx_Email_work_has_been_completed_(1).pdf 863145_xxxxxx_1-31-2023-Building-1301-Milestone-Inspection-Report-DOC021723.pdf xxxxxx Guestionnaire.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 03:44 | 2026-04-24 09:22 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/24/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/23/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2026 |
1008/Underwriting Summary Not Provided | 863145_xxxxxx_863145_ldl-report_4162026104658_104658.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 14:12 | 2026-04-24 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached AUS. - Due Diligence Vendor-04/24/2026 Open-Final AUS is missing - Due Diligence Vendor-04/23/2026 |
Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/24/2026 |
863145_xxxxxx_AUS_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 14:12 | 2026-04-24 09:09 | Resolved | 1 - Information | C | A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Proof Auto Loan is paid by the Business provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached evidence business pays. - Due Diligence Vendor-04/24/2026 Open-Missing evidence xxxxxx has been paid in full - Due Diligence Vendor-04/23/2026 |
Resolved-Proof Auto Loan is paid by the Business provided - Due Diligence Vendor-04/24/2026 |
863145_xxxxxx_payments_to_show_business_is_making_payment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 863145 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-23 14:09 | 2026-04-24 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (not escrowed) HOI & Tax cert provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see attached HOI on primary residence, non-subject/REO. - Due Diligence Vendor-04/24/2026 Open-Missing verification of insurance for xxxxxx - Due Diligence Vendor-04/23/2026 |
Resolved-Mortgage statement (not escrowed) HOI & Tax cert provided - Due Diligence Vendor-04/24/2026 |
863145_xxxxxx_REO_Docs_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 863150 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863159 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 Counter-************** An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender’s COC forms citing “complexity” are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 Counter-**Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 Counter-**Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 3 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx. - Buyer-05/04/2026 Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 Counter-***Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $115.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,000.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added or increased: Loan origination fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 |
Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review863159_xxxxxx_xxxxxx_4_29_2026_30847_PM.zip 863159_xxxxxx_Changed_Circumstances.pdf xxxxxx_Changed Circumstances (3).pdf xxxxxx_Revised LE xxxxxx (1).pdf Full Review863159_xxxxxx_5_7_2026_95729_AM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863159 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 Counter-************** An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender’s COC forms citing “complexity” are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 Counter-**Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx. - Seller-05/04/2026 Counter-**Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 43 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 Counter-***Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/28/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx. - Seller-05/04/2026 |
Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review863159_xxxxxx_4_29_2026_30727_PM.zip xxxxxx_Changed Circumstances (3).pdf xxxxxx_Revised LE xxxxxx (1).pdf Full Review863159_xxxxxx_5_7_2026_95732_AM.zip 863159_xxxxxx_Response.pdf 863159_xxxxxx_Changed_Circumstances.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863159 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 Counter-************** An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender’s COC forms citing “complexity” are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 Counter-**Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx. - Seller-05/04/2026 Counter-**Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 43 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 Counter-***Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx. - Seller-05/04/2026 |
Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review863159_xxxxxx_4_29_2026_30311_PM.zip xxxxxx_Changed Circumstances (3).pdf xxxxxx_Revised LE xxxxxx (1).pdf Full Review863159_xxxxxx_5_7_2026_95734_AM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863159 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-01 11:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-05/01/2026 Resolved- - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. See attached CD - Due Diligence Vendor-04/30/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 |
Resolved-***Received ICD - Due Diligence Vendor-05/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Full Review863159_xxxxxx_4_29_2026_43555_PM.zip 863159_xxxxxx_Initial_CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863159 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-27 06:52 | 2026-04-30 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/30/2026 Open-Title Document is missing - Due Diligence Vendor-04/27/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
863159_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863167 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863254 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:45 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 Open-*** Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($52.03) exceed the comparable charges ($43.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review863254_xxxxxx_4_27_2026_114217_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863254 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:45 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 Open-*** Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review863254_xxxxxx_4_27_2026_114247_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863254 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 Open-*** Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review863254_xxxxxx_4_27_2026_114233_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863278 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863289 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-4/29/26 - please see PCCD with refund - Buyer-04/29/2026 Open-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate for purposes of rescission because it is understated by more than $35. ******** Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material | C | B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Ready for Review-4/29/26 - please see PCCD with refund - Buyer-04/29/2026 Open-This loan failed the TRID foreclosure rescission total of payments test. ( 12 CFR §1026.23(h)(2)(ii) )The total of payments is $4,430,221.06. The disclosed total of payments charge of $4,428,421.06 is not considered accurate for purposes of rescission because it is understated by more than $35. ******** Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate because it is understated by more than $100. ******** Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 |
Cured-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-14 13:01 | 2026-04-30 11:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 Open-******** Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 Open-Right To Choose Attorney or Attorney Preference Not In File ******Documentation provided does not contain the Right To Choose Attorney . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 |
Resolved-Received cure package - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/30/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $4,430,221.06. The disclosed total of payments of $4,428,421.06 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $4,430,221.06. The disclosed total of payments of $4,428,421.06 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. ******** Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 |
Resolved-Received cure package - Due Diligence Vendor-04/30/2026 Resolved-***Received cure package - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863296 | xxxxxx | D | B | C | B | D | B | A | A | Closed | xxxxxx | 2026-04-23 13:23 | 2026-04-24 07:21 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Ineligible Vesting | Waived-Exception granted with compensating factors Ineligible entity Vesting on consumer purpose loan; borrower signed a personal guaranty - Due Diligence Vendor-04/24/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/24/2026 Open-Ineligible Vesting. Loan closed and is vested into a business entity which is ineligible on a consumer purpose loan. - Due Diligence Vendor-04/23/2026 |
Waived-Exception granted with compensating factors Ineligible entity Vesting on consumer purpose loan; borrower signed a personal guaranty - Due Diligence Vendor-04/24/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Compensating Factor 2 - Reserves exceed requirement by 10 months or more Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx | |||
| 863307 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863311 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-03 03:24 | 2026-04-07 14:05 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863313 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863316 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863327 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-07 08:03 | 2026-05-11 10:35 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-05/08/2026 Open-1008/Underwriting Summary Not Provided 1008 MISSING IN LOAN DOCUMENTS - Due Diligence Vendor-05/07/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
863327_xxxxxx_Loan_#863327_LDL-Report_5-4-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863327 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-07 16:33 | 2026-05-11 10:34 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Additional xxxxxx AVM provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. see both appraisal products - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-Additional xxxxxx AVM provided - Due Diligence Vendor-05/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
863327_xxxxxx_P_AVM_Report.pdf 863327_xxxxxx_Second_AVM_(1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863327 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-07 07:23 | 2026-05-11 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-05/08/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/07/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
863327_xxxxxx_863327__xxxxxx_3-27-26_SM.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863354 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 13:09 | 2026-04-17 07:42 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. See attached approval. - Due Diligence Vendor-04/16/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/15/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
863354_xxxxxx_863354_FINAL_ldl-report_43202671346_071347.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863355 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-20 09:01 | 2026-05-08 15:07 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. xxxxxx shows application date of xxxxxx - Due Diligence Vendor-05/08/2026 Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-04/20/2026 |
Resolved-***Received confirmation of the application date. - Due Diligence Vendor-05/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.03 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review863355_xxxxxx_xxxxxx_5_7_2026_52110_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863366 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863369 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 863381 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863383 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863391 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863414 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-08 10:07 | 2026-05-12 19:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached TRID Disclosure Summary. - Buyer-05/11/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (Revised CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Finding - Due Diligence Vendor-05/08/2026 |
Resolved- - Due Diligence Vendor-05/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 Years |
xxxxxx_TridDisclosureSummary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863418 | xxxxxx | C | B | B | B | C | A | A | A | Closed | xxxxxx | 2026-04-24 08:06 | 2026-05-01 17:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. tolerance baseline was reset on xxxxxx due to a borrower-requested rate change, see uploaded xxxxxx COC. xxxxxx! - Due Diligence Vendor-04/30/2026 Open- - Due Diligence Vendor-04/25/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,895.62) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,723.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-COC event detail provided - Due Diligence Vendor-05/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Full Review863418_xxxxxx_4_29_2026_41915_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863418 | xxxxxx | C | B | B | B | C | A | A | A | Closed | xxxxxx | 2026-04-23 07:03 | 2026-04-23 07:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with compensating factorsAudited DTI of 48.92% exceeds Guideline DTI of 45% DTI over 45% for FTHB - Due Diligence Vendor-04/23/2026 |
Waived-Exception granted with compensating factorsAudited DTI of 48.92% exceeds Guideline DTI of 45% DTI over 45% for FTHB - Due Diligence Vendor-04/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
1) LTV/CLTV 5% or more below the maximum allowed under applicable guidelines 2) Credit Score 10 points > minimum required |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863429 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-24 08:02 | 2026-05-11 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please find the 1003 uploaded. xxxxxx! - Due Diligence Vendor-05/11/2026 Counter-Provide updated 1003 showing asset accounts used and balances to qualify. - Due Diligence Vendor-05/07/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. The xxxxxx account was mislabeled in our system. The attached statement reflects the correct account (ending in 1440) used for assets. The loan processors confirmation is included for reference. - Due Diligence Vendor-05/07/2026 Open-Asset 1 Missing with xxxxxx showing no less than $72,936.08 date no older than 60 days to note date - Due Diligence Vendor-04/24/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-05/11/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-05/07/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 29.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 25.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
863429_xxxxxx_Acct_Response_2.pdf 863429_xxxxxx_Acct_Response.pdf 863429_xxxxxx_Revised_1003.pdf 863429_xxxxxx_Revised_1003_2.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 863429 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-27 12:02 | 2026-04-27 12:02 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsAll xxxxxx units are under 400 square feet. (xxxxxx square feet). - Due Diligence Vendor-04/27/2026 |
Waived-Exception granted with compensating factorsAll xxxxxx units are under 400 square feet. xxxxxx. - Due Diligence Vendor-04/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 29.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 25.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Reserves exceed requirement by 10 months or more. LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. DTI <= 36% which is below requirement in guidelines. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 863431 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863439 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-04 14:55 | 2026-05-04 14:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan; subject was de-listed prior to loan application - Due Diligence Vendor-05/04/2026 Open-subject property was listed within 6 months of closing (listing terminated xxxxxx) - Due Diligence Vendor-05/04/2026 |
Waived-Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan; subject was de-listed prior to loan application - Due Diligence Vendor-05/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 42.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 863439 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 10:41 | 2026-03-16 10:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026 | Waived-Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 42.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 863467 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 14:22 | 2026-05-14 17:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please find uploaded the Income Worksheet. xxxxxx! - Due Diligence Vendor-05/04/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/01/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
863467_xxxxxx_863467_Income_Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863471 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-15 01:44 | 2026-04-28 14:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See RCE - Due Diligence Vendor-04/28/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Hazard Insurance coverage shows xxxxxx - short of the minimum coverage required of $xxxxxx. Please provide HOI policy that shows coverage IAO $xxxxxx or more. - Due Diligence Vendor-04/15/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 346.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
863471_xxxxxx_HOI_WITH_RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863483 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863492 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 863495 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863498 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863502 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 15:12 | 2026-05-07 18:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. See attached VVOE - Due Diligence Vendor-05/07/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. Section 2.7.5.3 requires a YTD paystub within 30 days of Note date (most recent xxxxxx) OR a verbal VOE within 10 calandar days prior to the Note date (xxxxxx). Paystub >30 days & missing VVOE. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |
863502_xxxxxx_VVOE2.pdf 863502_xxxxxx_VVOE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863502 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 15:12 | 2026-05-07 18:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. See attached VVOE - Due Diligence Vendor-05/07/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing. Section 2.7.5.3 requires a YTD paystub within 30 days of Note date (most recent xxxxxx) OR a verbal VOE within 10 calandar days prior to the Note date (xxxxxx). Paystub >30 days & missing VVOE. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |
863502_xxxxxx_VVOE.pdf 863502_xxxxxx_VVOE2.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863502 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 08:49 | 2026-05-07 18:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-05/07/2026 Open-Borrower 2 Gap Credit Report is Missing. Section 2.5.2 requires a gap credit report no more than 30-days prior to loan closing. Subject cbr = 3/9/26, Note = xxxxxx. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |
863502_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863502 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 08:49 | 2026-05-07 18:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-05/07/2026 Open-Borrower 1 Gap Credit Report is Missing. Section 2.5.2 requires a gap credit report no more than 30-days prior to loan closing. Subject cbr = 3/9/26, Note = xxxxxx. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |
863502_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863505 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 09:17 | 2026-05-05 09:17 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factorsAllow First time investor with DSCR < 1.0 (.85) - Due Diligence Vendor-05/05/2026 | Waived-Exception granted with compensating factorsAllow First time investor with DSCR < 1.0 (.85) - Due Diligence Vendor-05/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 15.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 64.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863512 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863538 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863539 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863540 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863569 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-28 02:01 | 2026-05-04 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see credit report - Due Diligence Vendor-05/01/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/28/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
863569_xxxxxx_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863579 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 15:13 | 2026-05-22 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. CPA Letter - Due Diligence Vendor-05/21/2026 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/05/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |
Full Review863579_xxxxxx_5_21_2026_122303_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863579 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 15:13 | 2026-05-22 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-05/08/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/05/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |
863579_xxxxxx_book-bank-income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863579 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 15:57 | 2026-05-14 10:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-05/13/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/05/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |
863579_xxxxxx_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863579 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-05 13:04 | 2026-05-08 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Purchase Contract - Due Diligence Vendor-05/08/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-05/05/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |
863579_xxxxxx_Purchase_Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863622 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863638 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-24 04:45 | 2026-05-04 19:22 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 Resolved- - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Uploaded Re-Disclosed LE dated xxxxxx and COC - Due Diligence Vendor-05/01/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. *******Locked TRID disclosure is missing. A Locked Loan Estimate (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review863638_xxxxxx_4_30_2026_41024_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863667 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863674 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-17 12:28 | 2026-04-21 15:38 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-04/21/2026 Resolved- - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see attached Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/20/2026 Open- - Due Diligence Vendor-04/18/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/17/2026 Open- - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see attached Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/20/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-04/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863677 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-05-01 13:46 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Failed Charges that cannot increase failure with the variance of $50 due to the increase in the Credit Report fee from the initial LE dated xxxxxx $150 to the Revised LE dated xxxxxx, ICD dated xxxxxx, RCD dated xxxxxx, FCD dated xxxxxx and PCCD dated xxxxxx fee disclosed as $200, however no COC addressing the failure, kindly provide cure of $50 or COC addressing the change. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review863677_xxxxxx_4_27_2026_104601_AM.zip 863677_xxxxxx_Lender_Cert_-_Post_CD.pdf 863677_xxxxxx_100261002114_-_Tolerance_Cure,_4-24-26.pdf 863677_xxxxxx_Post_CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863677 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-05-01 13:45 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Cured-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 863677 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 15:03 | 2026-04-30 21:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided disclosure tracking indicating Application date of xxxxxx - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Open-****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Resolved-Lender provided disclosure tracking indicating Application date of xxxxxx - Due Diligence Vendor-05/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Disclosure Tracking - Showing App Date (1).pdf Disclosure Tracking - Showing App Date (2).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 863677 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 01:54 | 2026-04-29 11:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/29/2026 Resolved-Corrected Appraisal provided stating "No" builder is not in control - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see corrected appraisal and HOA letter - Due Diligence Vendor-04/29/2026 Open-The Builder is in control of the HOA Per xxxxxx guidelines - HOA must be conveyed to the unit owners – no developer or builder-controlled projects allowed. Appraisal pg 24, "Is the developer/builder in control of the HOA?" - yes was checked. No exception appears to be on file regarding this conflict with guidelines. - Due Diligence Vendor-04/22/2026 |
Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/29/2026 Resolved-Corrected Appraisal provided stating "No" builder is not in control - Due Diligence Vendor-04/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
863677_xxxxxx_Appraisal_SSR_xxxxxx_4.24.pdf 863677_xxxxxx_Appraisal_SSR_xxxxxx_4.24.pdf 863677_xxxxxx_HOA_Letter.pdf 863677_xxxxxx_Appraisal_Report_4.24.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863677 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-04-28 15:14 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-***Received cure package - Due Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review863677_xxxxxx_4_27_2026_104719_AM.zip 863677_xxxxxx_Disclosure_Tracking_-_Showing_App_Date.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863714 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863730 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 863751 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-22 05:57 | 2026-04-27 11:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached Initial CD. - Due Diligence Vendor-04/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower - Due Diligence Vendor-04/22/2026 |
Resolved-**Received ICD - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.29 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
Full Review863751_xxxxxx_4_22_2026_44034_PM.zip 863751_xxxxxx_ICD_1022610146.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863765 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 863823 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-07 03:59 | 2026-05-07 03:59 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 636 is less than Guideline FICO of 640 636 FICO + CASH-OUT. MIN FICO IS 640 - Exception Request Report - Page #288 - Due Diligence Vendor-05/07/2026 | Waived-Exception granted with compensating factorsAudited FICO of 636 is less than Guideline FICO of 640 636 FICO + CASH-OUT. MIN FICO IS 640 - Exception Request Report - Page #288 - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 863834 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863857 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863862 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 863894 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-05-04 18:30 | 2026-05-12 07:27 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-tenant occupied appraisal update provided. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. updated appraisal - Due Diligence Vendor-05/12/2026 Open-The appraisal reflects the subject as owner occupied yes occupancy is Non-owner occupied. - Due Diligence Vendor-05/04/2026 |
Resolved-tenant occupied appraisal update provided. - Due Diligence Vendor-05/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
863894_xxxxxx_Updated_appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863894 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-30 22:41 | 2026-05-12 07:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See 1004D, this was in original upload, it is in xxxxxx under property the next doc down from appraisal - Due Diligence Vendor-05/05/2026 Open-Primary Value Appraisal is Expired - Due Diligence Vendor-05/01/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/05/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
863894_xxxxxx_Appraisal_recert_and_LOX.pdf 863894_xxxxxx_3JH4SV7MN2OR11JN2HQ6JJWF-form_1_Appraisal_Update_and_or_completion_report-1_(1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863894 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-05-01 04:47 | 2026-05-05 11:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA doc provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See HOA bills - Due Diligence Vendor-05/05/2026 Open-Missing HOA document for the property xxxxxx " , xxxxxx - Due Diligence Vendor-05/01/2026 |
Resolved-HOA doc provided - Due Diligence Vendor-05/05/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Missing HOA document for the property xxxxxx | 863894_xxxxxx_HOA_xxxxxx.pdf 863894_xxxxxx hOA_Master_Policy.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863894 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-30 23:09 | 2026-05-05 11:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See UDM - Due Diligence Vendor-05/05/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/05/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Borrower 1 Gap Credit Report is Missing | 863894_xxxxxx_No_Score.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 863898 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 863904 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-27 17:18 | 2026-04-30 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See gap and new credit account - Due Diligence Vendor-04/30/2026 Open-Gap report has been provided. Missing Gap report. - Due Diligence Vendor-04/27/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.74% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
863904_xxxxxx_GAP.pdf 863904_xxxxxx_Updated_1008.pdf 863904_xxxxxx_Lease.pdf 863904_xxxxxx_Updated_1003.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 863918 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 16:10 | 2026-05-14 16:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved- - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached Income Worksheet. - Due Diligence Vendor-05/14/2026 Open-The file is missing the Lender's Bank Statement Income Worksheet. - Due Diligence Vendor-05/13/2026 |
Resolved- - Due Diligence Vendor-05/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
863918_xxxxxx_863918_xxxxxx_ANALYSIS_(2).xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863918 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 14:36 | 2026-05-14 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached Credit Refresh report. - Due Diligence Vendor-05/14/2026 Open-Borrower 1 Gap Credit Report is Missing The Gap Credit Report or Undisclosed Debt Monitoring Report is missing. Per Guidelines, only Business Purpose DSCR loans are exempt. Subject loan is a Business Purpose purchase of an investment property but it is not a DSCR loan. Since subject loan has a DTI ratio, a Gap Credit or Undisclosed Debt Monitoring Report is required. Lender to provide a Gap Credit or Undisclosed Debt Monitoring Report that was completed within 10 days prior to closing. - Due Diligence Vendor-05/13/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
863918_xxxxxx_Credit_Refresh_Report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 863918 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-14 11:24 | 2026-05-14 11:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Subject Property Lot Size Exceeds Guideline Maximum | Waived-Exception granted with compensating factorsLot size of xxxxxx acres when max is 20 acres - Due Diligence Vendor-05/14/2026 | Waived-Exception granted with compensating factorsLot size of xxxxxx acres when max is 20 acres - Due Diligence Vendor-05/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. Reserves exceed requirement by 2 months or more. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 863979 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863981 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863982 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 863996 | xxxxxx | B | A | B | A | A | A | A | A | Closed | xxxxxx | 2026-05-12 02:21 | 2026-05-13 16:09 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-05/13/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-05/12/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.76 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years |
863996_xxxxxx_Loan_#863996_LDL-Report_5-8-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864000 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864014 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 864029 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864044 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864047 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864052 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-01 15:40 | 2026-05-06 15:27 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-xxxxxx AVM provided - Due Diligence Vendor-05/06/2026 Ready for Review-Please see attached (no attachment provided ) - Due Diligence Vendor-05/06/2026 Counter-No attachment was provided - Guidelines require a Primary Valuation "and" a Secondary Valuation - 3.10.1.1 APPRAISAL REQUIREMENTS 1-4 UNIT RESIDENTIAL & 3.10.1.3 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL (xxxxxx) only an AVM was located in the Loan file. - Due Diligence Vendor-05/05/2026 Ready for Review-Please see attached (no attachment provided) - Due Diligence Vendor-05/05/2026 Counter-Guidelines require a Primary Valuation and a Secondary Valuation - 3.10.1.1 APPRAISAL REQUIREMENTS 1-4 UNIT RESIDENTIAL & 3.10.1.3 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL (xxxxxx) only an AVM was located in the Loan file. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-xxxxxx AVM provided - Due Diligence Vendor-05/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |
864052_xxxxxx_PCI_7_valuation.pdf xxxxxx PCI 7 valuation (1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864052 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-01 00:19 | 2026-05-04 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-05/04/2026 Open-Missing Lender Worksheet or Bank Statement Summary Provide the Lender Worksheet or Bank Statement Summary supporting the 12-month bank statement calculation for xxxxxx (xxxxxx acct ending 4974), per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/01/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |
864052_xxxxxx_Income_and_Debt_Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864052 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-30 23:33 | 2026-05-04 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/04/2026 Open-Title Document is missing Provide the title commitment for the subject property reflecting the subject loan in the amount of xxxxxx as a second lien position, including all schedules, exceptions, and endorsements, per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/01/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |
864052_xxxxxx_Title_Commitment-Preliminary_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864062 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864064 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-17 05:41 | 2026-05-05 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax and HOI Policy provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/05/2026 Open-Tax and insurance missing for primary residence, xxxxxx. - Due Diligence Vendor-04/17/2026 |
Resolved-Tax and HOI Policy provided - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 423.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
864064_xxxxxx_864064_xxxxxx_Taxes.pdf 864064_xxxxxx_864064_xxxxxx_Policy_Declarations.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864086 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 14:06 | 2026-05-18 10:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Buyer-05/18/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures ( CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/11/2026 |
Resolved-**Received ICD - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.35 Years |
xxxxxx_Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864086 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-11 02:30 | 2026-05-14 16:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-05/14/2026 Open-Title Document is missing - Due Diligence Vendor-05/11/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/14/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.35 Years |
864086_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864094 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864097 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864106 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | |||||||||||||||||||
| 864114 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-07 01:49 | 2026-04-13 10:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Dwelling for xxxxxx - Buyer-04/10/2026 Counter-Missing HOI Policy for xxxxxx (xxxxxx unit) - The File only contains the the xxxxxx for the Subject Property - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. There ae 2 policies one for xxxxxx (xxxxxx unit) and one for xxxxxx (xxxxxx units). - Due Diligence Vendor-04/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Hazard insurance coverage is inadequate. The current coverage amount of xxxxxx is below the minimum required coverage of $xxxxx, and a Replacement Cost Estimator was not provided. - Due Diligence Vendor-04/07/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
864114_xxxxxx_UPDATED_HAZARD_INSURANCE_(46).pdf 864114_xxxxxx_UPDATED_HAZARD_INSURANCE_(45).pdf 864114_xxxxxx_EXISTING_HAZARD_INSURANCE_(54).pdf UPDATED HAZARD INSURANCE (49) (1).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864146 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864156 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-29 17:00 | 2026-04-29 17:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsSubject property sqft is less than 700. Actual is xxxxxx sqft. - Due Diligence Vendor-04/29/2026 | Waived-Exception granted with compensating factorsSubject property sqft is less than 700. Actual is xxxxxx sqft. - Due Diligence Vendor-04/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 170.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
DTI: < 45% Credit Score: 789. Reserves: 12 or more months. Residual Income: greater than $5,000. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864163 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864250 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-19 22:06 | 2026-05-22 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached CPM condo approval. - Due Diligence Vendor-05/22/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/20/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.53% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
864250_xxxxxx_CPM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 11:42 | 2026-05-04 16:45 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved- - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. See attached AVM - Seller-05/04/2026 Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 for appraised value. Currently the 1008 reflects xxxxxx. AVM shows xxxxxx. - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. See attached AVM - Seller-05/04/2026 |
Resolved- - Due Diligence Vendor-05/04/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxxxxx_2nd AVM (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
Full Review864258_xxxxxx 4_28_2026_100823_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/27/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $522.88.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
Full Review864258_xxxxxx_4_28_2026_100732_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 17:05 | 2026-04-29 06:41 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-3rd party review provided - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached AVM - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-3rd party review provided - Due Diligence Vendor-04/29/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
864258_xxxxxx_2nd_AVM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864258 | xxxxxx | D | A | D | A | C | A | D | A | Closed | xxxxxx | 2026-04-27 02:20 | 2026-04-28 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/28/2026 Open-Title Document is missing . Provide title with complete chain on the subject transaction for property located at xxxxxx. Once received, loan is subject for review and possible additional conditions. - Due Diligence Vendor-04/27/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/28/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
864258_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864268 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-08 10:34 | 2026-05-11 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Received PCCD - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-05/08/2026 Open-******* Borrower executed documents on xxxxxx, after Final Closing Disclosure Disbursement date of xxxxxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-05/08/2026 |
Resolved-Received PCCD - Due Diligence Vendor-05/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864268 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-08 10:17 | 2026-05-11 09:50 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/11/2026 Resolved- - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx - Seller-05/08/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx - Seller-05/08/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864277 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 18:53 | 2026-04-23 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxxxxx is free and clear per property report provided. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. The property is paid in full and single property, so no EOI and HOA dues required. Please waive this condition. xxxxxx - Seller-04/22/2026 Open-Provide HOI and HOA payment details for REO property xxxxxx, as this information is currently missing from the file. Additional conditions may apply upon review. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. The property is paid in full and single property, so no EOI and HOA dues required. Please waive this condition. xxxxxx - Seller-04/22/2026 |
Resolved-xxxxxx is free and clear per property report provided. - Due Diligence Vendor-04/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |
PP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864277 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 09:30 | 2026-04-23 13:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/22/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Provide an updated hazard insurance policy or binder effective on or before xxxxxx, as the current policy reflects an effective date of xxxxxx, which is after the disbursement date for xxxxxx (Note date xxxxxx). Coverage must be in force at or prior to funding per GL (additional conditions may apply upon review). - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/22/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |
1006_PCCD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864277 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-21 17:48 | 2026-04-23 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verification of the borrower’s business existence for xxxxxx. per GL Self-Employed Confirmation of Employment requirements. Verification must be obtained from a third party (e.g., CPA, regulatory agency, or licensing bureau) within 30 days of the Note Date, or the business listing, address, and phone number must be verified via internet or directory assistance. Additional conditions may apply upon review. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |
0414-CPA-Letter---Updated.pdf_2026_04_22_@10_29_13.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864281 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 864288 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864289 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-12 16:43 | 2026-05-12 16:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 Open-Condo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 |
Waived-Exception granted with compensating factorsCondo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1586.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Credit Score 10 points > minimum required DTI <= 40% which is below requirement in guidelines Residual income more than 1.5x the amount required by guidelines |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864292 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 02:15 | 2026-05-13 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. xxxxxx Team, Attached are the EOI, RCE, and invoice for HOI policy. xxxxxx! - Due Diligence Vendor-05/13/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/11/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
864292_xxxxxx_HOI_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864292 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 02:40 | 2026-05-13 16:16 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. xxxxxx Team, attached are the paystubs used for income qualification, along with the Written VOE from employer. xxxxxx! - Due Diligence Vendor-05/13/2026 Open-Income 2 Months Income Verified is Missing Missing paystub of xxxxxx - Due Diligence Vendor-05/11/2026 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/13/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
864292_xxxxxx_Income_Condition_-_Paystubs_-_xxxxxx.pdf 864292_xxxxxx_Income_Condition_-_VOE_-_xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864292 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 03:24 | 2026-05-13 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. xxxxxx Team, attached are escrow receipts/wire details with LOX to clarify on the EMD deposits, xxxxxx! - Due Diligence Vendor-05/13/2026 Open-Asset 1 Missing Missing bank statement for xxxxxx of amount $42,238.24. - Due Diligence Vendor-05/11/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-05/13/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
864292_xxxxxx_Asset_Condition_-_EMD_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864292 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-11 11:52 | 2026-05-13 16:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. See bank statement - Due Diligence Vendor-05/13/2026 Open-Missing the cancelled deposit check and or satisfactory money wire to the escrow company for $45,000 per the sales contract and closing docs. - Due Diligence Vendor-05/11/2026 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-05/13/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
864292_xxxxxx_02.13_to_03.17.26_-_xxxxxx.pdf 864292_xxxxxx_Asset_Condition_-_EMD_-_xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864323 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864351 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864360 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864363 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-20 14:54 | 2026-05-08 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please find the Guaranty uploaded, executed as individuals! xxxxxx! - Due Diligence Vendor-05/08/2026 Counter-Please provide personal guaranty. Guaranty sent is in the LLC name with borrowers as managing members. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please find the Guaranty uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 Open-Personal Guaranty is missing. - Due Diligence Vendor-04/20/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |
864363_xxxxxx_Guaranty_-_Poppe.pdf 864363_xxxxxx_guaranty_agreement_corrected.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864392 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864405 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-19 16:24 | 2026-05-28 10:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-05/27/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
864405_xxxxxx_UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864440 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864442 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864447 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864504 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-08 09:34 | 2026-05-08 09:34 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | HOA questionaire does not meet guidelines | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. More than 20% of the unit owners are 60 days or more delinquent on common expense assessments / actual is 22. - Due Diligence Vendor-05/08/2026 | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. More than 20% of the unit owners are 60 days or more delinquent on common expense assessments / actual is 22. - Due Diligence Vendor-05/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1773.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
DTI: <= 40% Residual income >= $100,000 Reserves: >= 50 Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864506 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864509 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864511 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864516 | xxxxxx | C | B | B | B | A | A | C | A | Closed | xxxxxx | 2026-05-06 02:50 | 2026-05-06 16:17 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. See CDA Low Risk - Due Diligence Vendor-05/06/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) The Collateral Underwriter (CU) score exceeds 2.5 (actual score: 3.0), and no third-party valuation product was provided. - Due Diligence Vendor-05/06/2026 |
Resolved-Desk review provided - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
864516_xxxxxx_CDA_(8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864516 | xxxxxx | C | B | B | B | A | A | C | A | Closed | xxxxxx | 2026-05-06 03:03 | 2026-05-06 03:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsNo primary housing history, living rent-free. - Due Diligence Vendor-05/06/2026 |
Waived-Exception granted with compensating factorsNo primary housing history, living rent-free. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Credit Score 30+ points > minimum required 0x30 for 48 months on subject mortgage |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864558 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864564 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 09:24 | 2026-05-29 14:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received Revised LE - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Final LE xxxxxx - Due Diligence Vendor-05/28/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-05/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years |
Full Review864564_xxxxxx_5_27_2026_30609_PM.zip 864564_xxxxxx_Final_LE.pdf 864564_xxxxxx_Final_LE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864588 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-05-08 13:53 | 2026-05-13 15:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. CD - Due Diligence Vendor-05/12/2026 Open-******Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/08/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-05/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
Full Review864588_xxxxxx_5_12_2026_104059_AM.zip 864588_xxxxxx_Locked_LE_&_CIC.pdf 864588_xxxxxx_Initial_LE.pdf 864588_xxxxxx_Initial_CD.pdf 864588_xxxxxx_Locked_LE_&_CIC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864588 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-05-08 17:50 | 2026-05-13 15:12 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Rate Lock Disclosure - Due Diligence Vendor-05/12/2026 Open-******Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-05/08/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-05/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
Full Review864588_xxxxxx_5_12_2026_104005_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864588 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-05-08 13:51 | 2026-05-13 15:10 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/13/2026 Resolved- - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Homeownership Counseling Disclosure - Due Diligence Vendor-05/12/2026 Open-Homeownership Counseling Disclosure Is Missing ******Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 |
**Received disclosure - 05/13/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
Full Review864588_xxxxxx_5_12_2026_103412_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864588 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-05-08 04:48 | 2026-05-11 21:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Income Worksheet - Due Diligence Vendor-05/11/2026 Open-Missing Lender Worksheet or Bank Statement Summary Provide lender income work sheet for verify the non-business deposits from the Business bank statement. - Due Diligence Vendor-05/08/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
864588_xxxxxx_864588_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864588 | xxxxxx | D | B | D | B | C | A | A | A | Closed | xxxxxx | 2026-05-08 04:55 | 2026-05-08 04:55 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsWaive 12 month housing history for investment property at xxxxxx. - Due Diligence Vendor-05/08/2026 | Waived-Exception granted with compensating factorsWaive 12 month housing history for investment property at xxxxxx. - Due Diligence Vendor-05/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
- HousiHisto325661-1 - Current primary home ownership > 10 years. - HousiHisto325661-2 - DTI <= 36% which is below requirement in guidelines. - HousiHisto325661-3 - Reserves exceed requirement by 10 months or more. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864603 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-04 11:19 | 2026-05-14 10:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-updated - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. See taxes - Due Diligence Vendor-05/13/2026 Counter-Still awaiting proof of tax cost for the property located at xxxxxx - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. See HOA letter - Due Diligence Vendor-05/11/2026 Open-. Provide taxes and HOA fee, if applicable, for rental property located at xxxxxx to ensure accurate rental income/loss. At the time of review a only a payoff showing P&I and the HOI was provided. - Due Diligence Vendor-05/04/2026 |
Resolved-updated - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.16 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.95 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.39 Years |
864603_xxxxxx_101260313189_xxxxxx_HOA_LOE.pdf 864603_xxxxxx_101260313189_xxxxxx_TAXES.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864608 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864649 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 864658 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| 864660 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-24 11:34 | 2026-04-27 12:46 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Deed provided - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached Deed. - Due Diligence Vendor-04/27/2026 Open-Property Title Issue , missing evidence of Deed removing xxxxxx from title. - Due Diligence Vendor-04/24/2026 |
Resolved-Deed provided - Due Diligence Vendor-04/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | 864660_xxxxxx_Deed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 864663 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-06 09:04 | 2026-05-12 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Counter-Received xxxxxx COGS but also needed xxxxxx and xxxxxx - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Counter-COGS not found, please resend - Due Diligence Vendor-05/07/2026 Ready for Review-Is the 2025 taxes & Certificate of Good Standin date xxxxxx not sufficient? What else can be provided, if not? - Buyer-05/07/2026 Ready for Review-Is the 2025 taxes & Certificate of Good Standin date xxxxxx not sufficient? What else can be provided, if not? - Buyer-05/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/06/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Missing verification of business being active for xxxxxx | LLC - xxxxxx - Cert of good standing.pdf xxxxxx.pdf xxxxxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864688 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864705 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864706 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864708 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864723 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-06-10 22:59 | 2026-06-10 23:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted to allow ineligible subject property type - xxxxxx; Appraisal confirms subject as xxxxxx xxxxxx on xxxxxx acres > 75% xxxxxx, is not a working farm nor income producing and provides comps < 3 xxxxxx miles from the subject - Due Diligence Vendor-06/11/2026 Open-Subject property is ineligible per guidelines as a xxxxxx. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted with compensating factorsException granted to allow ineligible subject property type - xxxxxx; Appraisal confirms subject as xxxxxx xxxxxx on xxxxxx acres > 75% xxxxxx, is not a working farm nor income producing and provides comps < 3 xxxxxx miles from the subject - Due Diligence Vendor-06/11/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 14.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 1221.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 36.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
Property xxxxxx LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Property xxxxxx Home Ownership Current primary home ownership > 10 years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864723 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-04-29 09:22 | 2026-05-01 13:23 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-05/01/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/29/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 14.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 1221.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 36.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
864723_xxxxxx_864723_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx_updated.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864783 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 09:32 | 2026-05-07 14:40 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. initial CD. - Due Diligence Vendor-05/06/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/04/2026 |
Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
Full Review864783_xxxxxx_5_6_2026_113732_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864783 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 06:11 | 2026-05-06 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/06/2026 Open-Title Document is missing. Provide title document for Subject property with complete chain. Subject to review and possible additional conditions. - Due Diligence Vendor-05/04/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/06/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
864783_xxxxxx_Title_Commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864785 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-28 11:52 | 2026-04-30 10:23 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx, xxxxxx - Seller-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open- - Due Diligence Vendor-04/29/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ********The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx, xxxxxx - Seller-04/29/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.48 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 32.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864785 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 14:08 | 2026-04-30 10:06 | Resolved | 1 - Information | C | A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form ***received - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/29/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form *******The Notice of Right to Cancel, executed by xxxxxx, has not been provided. - Due Diligence Vendor-04/29/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/29/2026 |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form ***received - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.48 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 32.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxxxxx_NOTRC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864786 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-05 10:25 | 2026-05-07 08:09 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.44 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864793 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-05-18 02:38 | 2026-05-22 15:36 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. 5/20/26 - please see service provider list - Due Diligence Vendor-05/21/2026 Open-Service Provider List Document is Missing. - Due Diligence Vendor-05/18/2026 |
Resolved-***Received SSPL - Due Diligence Vendor-05/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.92 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Full Review864793_xxxxxx_5_20_2026_30953_PM.zip 864793_xxxxxx_service_provider_list.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864793 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-05-18 11:56 | 2026-05-22 07:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. 5/20/26 - please see service provider list - Due Diligence Vendor-05/21/2026 Open-Missing Lender Worksheet or Bank Statement Summary The file is missing the Lender's Bank Statement Income Worksheet. Lender to provide Bank Statement Income Worksheet completed at origination. - Due Diligence Vendor-05/18/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.92 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Full Review864793_xxxxxx_5_20_2026_31921_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864805 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-15 15:35 | 2026-05-15 15:35 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing Verification of Rent | Waived-Exception granted with compensating factorsBuying from landlord, pays rent in cash (does not have 12 months cancelled checks). - Due Diligence Vendor-05/15/2026 | Waived-Exception granted with compensating factorsBuying from landlord, pays rent in cash (does not have 12 months cancelled checks). - Due Diligence Vendor-05/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864809 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864812 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-04-02 15:29 | 2026-04-02 15:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 653 is less than Guideline FICO of 660. - Due Diligence Vendor-04/02/2026 | Waived-Exception granted with compensating factorsAudited FICO of 653 is less than Guideline FICO of 660. - Due Diligence Vendor-04/02/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 72.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
- PITIA reserves above min by 6 months. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864814 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864815 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-12 15:58 | 2026-03-17 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved- - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Properties xxxxxx and xxxxxx are commercial/industrial. (attached profiles) Property xxxxxx is recently acquired xxxxxx and has a first payment date xxxxxx (attached note) - Seller-03/16/2026 Open-Missing Verification of 3 mortgages listed on final 1003 for the following properties and not on credit report. xxxxxx and xxxxxx. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Properties xxxxxx and xxxxxx are commercial/industrial. (attached profiles) Property xxxxxx is recently acquired xxxxxx and has a first payment date xxxxxx (attached note) - Seller-03/16/2026 |
Resolved- - Due Diligence Vendor-03/17/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.35 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
REO - PROPERTY PROFILE (11).pdf REO - PROPERTY PROFILE (2) (1).pdf REO - PROPERTY PROFILE (1) (1).pdf REO - MORTGAGE STATEMENT (22).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864817 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864818 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-19 13:15 | 2026-03-19 13:15 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 66.72% exceeds Guideline LTV of 65% Lender exception (page 233) for max 70% for loan amount < $150M. - Due Diligence Vendor-03/19/2026 | Waived-Exception granted with compensating factorsAudited LTV of 66.72% exceeds Guideline LTV of 65% Lender exception (page 233) for max 70% for loan amount < $150M. - Due Diligence Vendor-03/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 37.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
FICO 20+ points PITIA reserves above min by 6 months DSCR > 1.0 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864819 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-14 12:49 | 2026-04-14 12:50 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factors Borrower living rent free and transaction is investment. - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 |
Waived-Exception granted with compensating factors Borrower living rent free and transaction is investment. - Due Diligence Vendor-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FICO 20+ points DTI 5% below max PITIA reserves above min by 6 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864819 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 15:10 | 2026-04-14 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First payment Letter (Not Escrowed) Taxes and HOI Policy provided - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. We funded this loan in xxxxxx. Attached is note and payment letter in lieu of xxxxxx . Tax calculated at purchase price x 1.070 (tax rate) - Seller-04/13/2026 Open- xxxxxx - Mortgage Statement Missing - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. We funded this loan in xxxxxx. Attached is note and payment letter in lieu of xxxxxx . Tax calculated at purchase price x 1.070 (tax rate) - Seller-04/13/2026 |
Resolved-Note, First payment Letter (Not Escrowed) Taxes and HOI Policy provided - Due Diligence Vendor-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
NOTE (8).pdf FIRST PAYMENT LETTER (4).pdf TAX STATEMENT_BILL - SUBJECT (18).pdf UPDATED HAZARD INSURANCE (50).pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864819 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 11:40 | 2026-04-14 10:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Final CS - DD xxxxxx - Seller-04/13/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Final CS - DD xxxxxx - Seller-04/13/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FINAL SETTLEMENT SHEET HUD-1 (58).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864819 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-04-13 11:40 | 2026-04-14 10:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
HOI - COST ESTIMATOR (14).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864820 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864821 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 08:04 | 2026-03-16 17:38 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsLTV > 70% for vacant property on DSCR. - Due Diligence Vendor-03/16/2026 | Waived-Exception granted with compensating factorsLTV > 70% for vacant property on DSCR. - Due Diligence Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 114.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
FICO 20+ points PITIA reserves above min by 6 months DSCR > 1.00 (DSCR Only) |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864822 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864823 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864824 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864825 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-04-02 12:08 | 2026-04-03 11:25 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. field review - Seller-04/02/2026 Open- - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. field review - Seller-04/02/2026 |
Resolved-Field review provided. - Due Diligence Vendor-04/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years |
APPRAISAL REVIEW (24).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864827 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 04:39 | 2026-04-01 12:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsSubject property location is classified as, xxxxxx. - Due Diligence Vendor-04/01/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception Granted for Rural Property - Page 317. - Due Diligence Vendor-03/30/2026 |
Waived-Exception granted with compensating factorsSubject property location is classified as, xxxxxx. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
FICO 20+ points. DTI 5% below max |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864828 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864829 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864830 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-13 10:43 | 2026-03-13 16:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 51.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Missing Lender Worksheet or Bank Statement Summary. Guidelines required lender income worksheet when using xxxxxx. Could not find in file. | UW Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 864831 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864834 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864835 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-13 16:16 | 2026-04-14 13:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 Ready for Review-xxxxxx does not for RCE - Seller-04/14/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx- Due Diligence Vendor-04/13/2026 |
Ready for Review-xxxxxx does not for RCE - Seller-04/14/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 226.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864836 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 11:49 | 2026-04-20 15:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD rider provided - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-PUD Rider is Missing - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-PUD rider provided - Due Diligence Vendor-04/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
scans@xxxxxx.com_20260417_160313.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864837 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864838 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864839 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 864843 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864844 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864845 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 864846 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-30 17:27 | 2026-03-31 14:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-03/31/2026 | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-03/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 14.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 32.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years |
DTI 5% below max PITIA reserves above min by 6 months 5+ years on job 5+ years business ownership |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 864847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-26 01:56 | 2026-03-31 11:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/31/2026 Ready for Review-xxxxxx - RCE is not allowed - Seller-03/30/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx - Due Diligence Vendor-03/26/2026 |
Ready for Review-xxxxxx - RCE is not allowed - Seller-03/30/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/31/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsAudited CLTV of 74.41% exceeds Guideline CLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 | Waived-Exception granted with compensating factorsAudited CLTV of 74.41% exceeds Guideline CLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 864847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 74.41% exceeds Guideline LTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 | Waived-Exception granted with compensating factorsAudited LTV of 74.41% exceeds Guideline LTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 864847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with compensating factorsAudited HCLTV of 74.41% exceeds Guideline HCLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 | Waived-Exception granted with compensating factorsAudited HCLTV of 74.41% exceeds Guideline HCLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 864848 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864851 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 864852 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 864856 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-02-26 16:42 | 2026-03-11 15:51 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/11/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. - Seller-03/11/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-03/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864857 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 864867 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-12 15:24 | 2026-05-21 05:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see HELOC docs - Due Diligence Vendor-05/20/2026 Open-Missing New Mortgage statement for xxxxxx for xxxxxx - Due Diligence Vendor-05/12/2026 |
Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Full Review864867_xxxxxx_5_19_2026_33422_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864867 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-12 13:39 | 2026-05-15 11:00 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received revised LE - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. LE xxxxxx Disclosure pkg - Due Diligence Vendor-05/14/2026 Open-****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable),A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-05/13/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 |
Resolved-***Received revised LE - Due Diligence Vendor-05/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Full Review864867_xxxxxx_5_14_2026_21254_PM.zip 864867_xxxxxx_LE_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 864876 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-03 23:19 | 2026-05-06 08:38 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided and resolved disbursement xxxxxx - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation Closing Disclosure and Final Settlement Statement showing the disbursement date on xxxxxx. xxxxxx - Seller-05/05/2026 Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation Closing Disclosure and Final Settlement Statement showing the disbursement date on xxxxxx. xxxxxx - Seller-05/05/2026 |
Resolved-PCCD provided and resolved disbursement xxxxxx - Due Diligence Vendor-05/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 864884 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 864905 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-04-30 04:08 | 2026-05-04 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/04/2026 Open-Title Document is missing - Due Diligence Vendor-04/30/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.19% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
864905_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864917 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-07 08:05 | 2026-06-02 15:15 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received missing disclosures - Due Diligence Vendor-06/02/2026 Resolved-***Received missing disclosures - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $600.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****** The following charges have been either added or increased: Points and discount fee resulting in a 0% tolerance cure in the amount of $600. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $600 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-06/02/2026 Resolved-***Received missing disclosures - Due Diligence Vendor-05/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Full Review864984_xxxxxx_5_15_2026_104126_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-11 10:37 | 2026-06-02 15:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-LOE provided is sufficient to support the change of circumstance/relock event - Due Diligence Vendor-06/02/2026 Counter-Document Uploaded. Document Uploaded. Please see attached Canopy finding clarification LOE: The explanation that the xxxxxx LE was “accidentally generated internally” is not sufficient to remove it from the disclosure timeline when the file contains borrower acknowledgment and delivery timestamps. Regardless of intent, the document exists in the file as a borrower-acknowledged Locked Loan Estimate with more favorable terms and a disclosed expiration date of xxxxxx. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. The loan originally originated on xxxxxx. The file was initially submitted to another lender, xxxxxx, where the loan was locked on xxxxxx and disclosures were issued the same day. The file was subsequently withdrawn from xxxxxx and rerouted to xxxxxx for approval. The loan was then officially locked with xxxxxx on xxxxxx, and a new locked LE was issued accordingly on that date. Please note the LE dated xxxxxx was not a valid disclosure package. Those documents were accidentally generated internally while attempting to preview the LE and should not be considered active or valid disclosures for the loan file. Accordingly, the correct xxxxxx rate lock date is xxxxxx - Buyer-05/20/2026 Counter-*************While the LOE indicates the xxxxxx Loan Estimate was not intended as part of the official disclosure timeline, the document includes borrower acknowledgment and therefore cannot be excluded from consideration. The initial locked Loan Estimate dated xxxxxx reflects more favorable terms and costs and carried an expiration date of xxxxxx. Based on the documentation provided, there is no valid Change of Circumstance or other permissible trigger supporting cancellation of that locked LE prior to its expiration, nor is there sufficient documentation supporting relocking on xxxxxx under less favorable terms. Accordingly, clarification and supporting evidence are required to substantiate the relock and pricing change between the xxxxxx and xxxxxx disclosures. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. LOE for disclosures - Buyer-05/19/2026 Counter-**Received explanation advising the rate was first locked on xxxxxx not on xxxxxx. However, the original file contains a COC dated xxxxxx advising loan was locked, document contains an electronic stamp. Additionally, the LE issued xxxxxx, provided as part of the missing documents, page 1 indicates the rate was locked through xxxxxx. Lender to provide additional clarification and confirmation of the correct initial rate lock date. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. This loan was locked with xxxxxx on xxxxxx. Locked LE went out the same day on xxxxxx. See xxxxxx lock and locked LE attached (there was no lock or locked LE on xxxxxx) - Due Diligence Vendor-05/18/2026 Counter-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. ***document in the file indicates the initial rate was locked on xxxxxx. We are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached LE. - Due Diligence Vendor-05/15/2026 Open-******* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/11/2026 |
Resolved-LOE provided is sufficient to support the change of circumstance/relock event - Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Full Review864984_xxxxxx_5_15_2026_103900_AM.zip 864984_xxxxxx_loan_estimates.pdf Full Review864984_xxxxxx_5_18_2026_83119_AM.zip 8LQPXILTB4TCZOF0IEMZ02MQ-form_1_The Work #-1.pdf LOE ADDITIONAL DISCLOSURES.pdf 864984 canopy rebuttal LOE xxxxxx.docx |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-11 10:39 | 2026-06-02 15:15 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-***Received missing disclosures - Due Diligence Vendor-06/02/2026 Resolved- - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). ****** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-06/02/2026 Resolved- - Due Diligence Vendor-05/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Full Review864984_xxxxxx_5_15_2026_104324_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-07 08:03 | 2026-06-02 15:14 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Lock xxxxxx was canceled and relocked xxxxxx. Documentation supporting subsequent Change of Circumstance has been provided - Due Diligence Vendor-06/02/2026 Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached LP Cert. - Due Diligence Vendor-06/01/2026 Counter-Document Uploaded. Please see attached Canopy finding clarification LOE: The explanation that the xxxxxx LE was “accidentally generated internally” is not sufficient to remove it from the disclosure timeline when the file contains borrower acknowledgment and delivery timestamps. Regardless of intent, the document exists in the file as a borrower-acknowledged Locked Loan Estimate with more favorable terms and a disclosed expiration date of xxxxxx. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Ready for Review-The loan originally originated on xxxxxx. The file was initially submitted to another lender, xxxxxx, where the loan was locked on xxxxxx and disclosures were issued the same day. The file was subsequently withdrawn from xxxxxx and rerouted to xxxxxx for approval. The loan was then officially locked with xxxxxx on xxxxxx, and a new locked LE was issued accordingly on that date. Please note the LE dated xxxxxx was not a valid disclosure package. Those documents were accidentally generated internally while attempting to preview the LE and should not be considered active or valid disclosures for the loan file. Accordingly, the correct xxxxxx rate lock date is xxxxxx. - Buyer-05/20/2026 Counter-*************While the LOE indicates the xxxxxx Loan Estimate was not intended as part of the official disclosure timeline, the document includes borrower acknowledgment and therefore cannot be excluded from consideration. The initial locked Loan Estimate dated xxxxxx reflects more favorable terms and costs and carried an expiration date of xxxxxx. Based on the documentation provided, there is no valid Change of Circumstance or other permissible trigger supporting cancellation of that locked LE prior to its expiration, nor is there sufficient documentation supporting relocking on xxxxxx under less favorable terms. Accordingly, clarification and supporting evidence are required to substantiate the relock and pricing change between the xxxxxx and xxxxxx disclosures. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. LOE for Disclosures - Buyer-05/19/2026 Counter-**Received explanation advising the rate was first locked on xxxxxx not on xxxxxx. However, the original file contains a COC dated xxxxxx advising loan was locked, document contains an electronic stamp. Additionally, the LE issued xxxxxx, provided as part of the missing documents, page 1 indicates the rate was locked through xxxxxx. Lender to provide additional clarification and confirmation of the correct initial rate lock date. - Due Diligence Vendor-05/19/2026 Counter-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. ***document in the file indicates the initial rate was locked on xxxxxx, we are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. This loan was locked with xxxxxx on xxxxxx. Locked LE went out the same day on xxxxxx. See xxxxxx lock and locked LE attached (there was no lock or locked LE on xxxxxx) - Due Diligence Vendor-05/18/2026 Counter-***document in the file indicates the initial rate was locked on xxxxxx. We are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Lock xxxxxx was canceled and relocked xxxxxx. Documentation supporting subsequent Change of Circumstance has been provided - Due Diligence Vendor-06/02/2026 Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Full Review864984_xxxxxx_5_15_2026_103943_AM.zip 864984_xxxxxx_loan_estimates.pdf 864984_xxxxxx_Initial_CD.pdf Full Review864984_xxxxxx_5_18_2026_83119_AM.zip LOE ADDITIONAL DISCLOSURES (1).pdf LOE ADDITIONAL DISCLOSURES.pdf 864984 canopy rebuttal LOE xxxxxx.docx Full Review864984_xxxxxx_6_1_2026_23202_PM.zip |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-21 18:03 | 2026-06-02 15:14 | Resolved | 1 - Information | D | A | Compliance | Disclosures (Federal, State, and Data Dependent) | xxxxxx Notice Concerning Extensions of Credit | Resolved-***Received disclosure - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Cashout 12 Day Letter. - Due Diligence Vendor-05/27/2026 Open-*50(a)6 Notice of Extension of Credit executed by Borrower(s) and/or Nonborrowing Spouse(s), proof of delivery not less than 12 days prior to consummation, has not been provided. - Due Diligence Vendor-05/21/2026 |
Resolved-***Received disclosure - Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Full Review864984_xxxxxx_5_26_2026_53011_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-07 06:16 | 2026-06-02 15:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 Waived-Exception granted with compensating factorsAudited CLTV of 80% exceeds Guideline CLTV of 75% LTV at 80% when max is 75% Escrow Waiver Fico 680, Min 720. - Due Diligence Vendor-05/07/2026 |
Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 Waived-Exception granted with compensating factorsAudited CLTV of 80% exceeds Guideline CLTV of 75% LTV at 80% when max is 75% Escrow Waiver Fico 680, Min 720. - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Subject property home ownership > 5 years Total debt payment reduced more than $1,000 per month |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864984 | xxxxxx | D | B | B | B | D | A | A | A | Closed | xxxxxx | 2026-05-07 06:16 | 2026-06-02 15:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/07/2026 |
Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
Subject property home ownership > 5 years Total debt payment reduced more than $1,000 per month |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 864987 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-20 14:42 | 2026-05-26 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/26/2026 Open-Borrower 1 Gap Credit Report is Missing, per Section 2.6.2, required no more thn 30-days prior to loan closing. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
864987_xxxxxx_Credit_Refresh_#xxxxxx_4.23.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865161 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865164 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-27 12:54 | 2026-05-27 12:58 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc - Credit | Missing Payment History | Waived-Exception granted with compensating factorsException granted with compensating factors to exclude mortgage payment from xxxxxx paid by daughter that is not fully documented per guideline requirement. - Due Diligence Vendor-05/27/2026 Open-In order to exclude debts from the borrower’s DTI ratio, must obtain the most recent 12-months canceled checks (or bank statements) from the other party making the payments that document a 12-month payment history. - Due Diligence Vendor-05/27/2026 |
Waived-Exception granted with compensating factorsException granted with compensating factors to exclude mortgage payment from xxxxxx paid by daughter that is not fully documented per guideline requirement. - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.37 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 38.28% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Credit Score 30+ points > minimum required |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 865166 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-20 19:42 | 2026-06-03 16:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Acceptable secondary valuation provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Buyer-05/27/2026 Counter-Document Uploaded. The ClearAVM provided provided does not meet minimum required FSD score. Missing viable secondary appraisal review product. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/21/2026 Open-Missing viable secondary appraisal review product. AVM provided does not meet minimum required FSD score. - Due Diligence Vendor-05/20/2026 |
Resolved-Acceptable secondary valuation provided - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review865166_xxxxxx_5_21_2026_115525_AM.zip Screenshot 2026-05-22 xxxxxx.jpg xxxxxx (1).pdf xxxxxx 2nd appraisal.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865166 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-20 11:46 | 2026-06-03 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly closed refi for Primary (2nd Lien) Final CD, Note, Taxes, HOI and HOA provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Concurrent with the subject 2nd loan, the borrower refinanced his primary property (xxxxxx) to reduce his interest rate and paydown the loan to 80% LTV. Attached are copies of the NEW NOTE, Final Closing Stmt, Final CD, Insurance, Property Tax and HO - Due Diligence Vendor-05/22/2026 Open-Missing verification of taxes, insurance, terms of financing for non-subject property, primary residence. See xxxxxx, - Due Diligence Vendor-05/20/2026 |
Resolved-Newly closed refi for Primary (2nd Lien) Final CD, Note, Taxes, HOI and HOA provided - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
865166_xxxxxx_Insurance.pdf 865166_xxxxxx_Final_Closing.pdf 865166_xxxxxx_New_NOTE.pdf 865166_xxxxxx_HOA.pdf 865166_xxxxxx_Final_CD.pdf 865166_xxxxxx_Prop_Tax.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865166 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-05-20 07:01 | 2026-06-03 16:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see CPA - Due Diligence Vendor-05/21/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. Section 2.8.6.1.1 of the Guideliens requires documentation of the borrower's length of ownership via one of the following: CPA ltr, Business license, Bank Stmts from > 24 months prior or Other reasonable evidence. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review865166_xxxxxx_5_21_2026_112745_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865175 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-27 13:21 | 2026-06-03 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-All pages of the Title policy including Sechele B part I, & II were provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/28/2026 Open-Title documentation provided is missing Schedule B (any and all parts of Schedule B). - Due Diligence Vendor-05/27/2026 |
Resolved-All pages of the Title policy including Sechele B part I, & II were provided - Due Diligence Vendor-06/03/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
865175_xxxxxx_Dated_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865175 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 08:22 | 2026-06-03 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see drive report - Due Diligence Vendor-05/22/2026 Open-Third Party Fraud Report Partially Provided The fraud report is there, but has a 0 score with auto refer. We need a complete fraud report with a passing score. - Due Diligence Vendor-05/15/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/03/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
865175_xxxxxx_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865177 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-14 12:37 | 2026-05-19 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information about business loan. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see attached verification of taxes insurance and/or HOA fees for non-subject property - Due Diligence Vendor-05/18/2026 Open-Missing Verification of Property taxes and HOI for xxxxxx. Also for xxxxxx- Please review final 1003 REO for xxxxxx. Need to verify if this property is to be included in borrowers DTI. xxxxxx w acct # ending in 1910 per credit supp pg 227 is a business loan not a personal debt owed by borrower and has been deleted from borrowers credit report. No property report in file to verify if property is in borrowers name or under LLC. If in borrowers name, then we are missing property taxes , HOI and HOA (if applicable) in order to verify full PITIA as mortgage statement in file on page 596 does not show Escrows are covered in mortgage payment. - Due Diligence Vendor-05/14/2026 |
Resolved-Lender provided additional information about business loan. - Due Diligence Vendor-05/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Full Review865177_xxxxxx_5_15_2026_63013_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865177 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 06:14 | 2026-05-13 09:37 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Acreage limit is 20 acres per guides. Seek exception to exceed 20 acres with less than xxxxxx acres. - Due Diligence Vendor-05/13/2026 | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Acreage limit is 20 acres per guides. Seek exception to exceed 20 acres with less than xxxxxx acres. - Due Diligence Vendor-05/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | ||||
| 865182 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865193 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865239 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-04-22 01:30 | 2026-04-24 09:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. 4/23/26 - Please see renewal and current HOI - Due Diligence Vendor-04/24/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Please provide the more recent Policy with an effective date prior to closing. Policy imaged is the renewal Effective Date of xxxxxx which is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-04/22/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 16.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
865239_xxxxxx_HOI_current_and_renewal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865255 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865256 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 11:11 | 2026-05-15 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed credit inquires reflecting 1 new credit card provided - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see attached LOE regarding borrower's credit inquiries, xxxxxx. - Seller-05/14/2026 Open-Provide a signed Letter of Explanation (LOE) from the borrower addressing all credit inquiries dated within 90 days of the application, including clarification as to whether any new debt or credit obligations were incurred; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see attached LOE regarding borrower's credit inquiries, xxxxxx. - Seller-05/14/2026 |
Resolved-Signed credit inquires reflecting 1 new credit card provided - Due Diligence Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxxxxx LOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865256 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-15 08:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-05/14/2026 Open-Borrower 1 WVOE Missing Provide a written verification of employment (WVOE) for B1’s employment with xxxxxx, evidencing current employment status and income, as required per guideline; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-05/14/2026 |
Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
WVOE - xxxxxx_2026_05_14_@09_21_33.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865272 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 865291 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 06:31 | 2026-05-29 14:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-05/29/2026 Open-1008/Underwriting Summary Not Provided File is missing 1008 - Due Diligence Vendor-05/28/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
865312_xxxxxx_Loan_#865312_LDL-Report_5-14-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-28 10:16 | 2026-05-29 14:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. - Due Diligence Vendor-05/29/2026 Open-Missing Lender Worksheet or Bank Statement Summary Unable to locate lender income worksheet - Due Diligence Vendor-05/28/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
865312_xxxxxx_865312__xxxxxx_ANALYSIS_4-22-26_SM.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 12:42 | 2026-05-29 12:57 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/29/2026 Open-Homeownership Counseling Disclosure Is Missing ******Please provide entire initial disclosure package, issued within 3 days or borrower application, for review - Due Diligence Vendor-05/26/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review865312_xxxxxx_5_28_2026_60859_PM.zip 865312_xxxxxx_Homeownership_Disclosure.pdf 865312_xxxxxx_Initial_Disclosures.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 12:45 | 2026-05-29 12:57 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/29/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 Open-Documentation provided does not contain the Initial closing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/26/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review865312_xxxxxx_5_28_2026_61055_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 12:42 | 2026-05-29 12:55 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 865312 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-28 11:29 | 2026-05-29 12:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached Disclosures - xxxxxx - 32m ago Portal Initial CD signed xxxxxx, Revised CD signed xxxxxx, Note date xxxxxx. TRID wait time was met. xxxxxx! - Due Diligence Vendor-05/29/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/28/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review865312_xxxxxx_5_28_2026_60944_PM.zip Full Review865312_xxxxxx_5_28_2026_61208_PM.zip 865312_xxxxxx_CD_CIC_2.pdf 865312_xxxxxx_CD_CIC.pdf 865312_xxxxxx_Initial_LE.pdf 865312_xxxxxx_Revised_CD_2.pdf 865312_xxxxxx_Revised_CD.pdf 865312_xxxxxx_Initial_CD.pdf 865312_xxxxxx_Locked_LE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865334 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-04 15:20 | 2026-05-06 14:58 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on 05/01/2026. - Seller-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.41 Years |
xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 865359 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 865362 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-06-29 14:28 | 2026-06-29 14:34 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Property/Appraisal General | Waived-1008 evidences originator utilized the lower sales price ($xxxxxx) to qualify the LTV rather than the high appraised value ($xxxxxx). Provided AVM ($xxxxxx) is not within 10% of the original appraisal (-13.33%), but is within 10% of the sales price utilized to qualify (-3.48%) and remains immaterial due to the value utilized to qualify the loan prior to close. - Due Diligence Vendor-06/29/2026 Open-Provided AVM is less than 10% below the original appraised value. (-13.33%) - Due Diligence Vendor-06/29/2026 |
Waived-1008 evidences originator utilized the lower sales price ($xxxxxx) to qualify the LTV rather than the high appraised value ($xxxxxx). Provided AVM ($xxxxxx) is not within 10% of the original appraisal (-13.33%), but is within 10% of the sales price utilized to qualify (-3.48%) and remains immaterial due to the value utilized to qualify the loan prior to close. - Due Diligence Vendor-06/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.67 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 865382 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 865673 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-08 12:46 | 2026-05-22 15:42 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/22/2026 Resolved-***Received executed correct NORTC - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. See attached documentation regarding NORTC - Due Diligence Vendor-05/21/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-05/08/2026 |
Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/22/2026 Resolved-***Received executed correct NORTC - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.32% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.32 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
Full Review865673_xxxxxx_5_21_2026_123932_PM.zip 865673_xxxxxx_System.pdf 865673_xxxxxx_NORTC.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 865680 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-19 11:16 | 2026-05-19 11:17 | Waived | 2 - Non-Material | C | B | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception granted with compensating factorsApproved to allow for Self-employment < 2 years - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Waived-Exception granted with compensating factorsApproved to allow for Self-employment < 2 years - Due Diligence Vendor-05/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
DTI <= 36% which is below requirement in guidelines Residual income more than 1.5x the amount required by guidelines |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 865689 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:16 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert. - Due Diligence Vendor-05/26/2026 Open-*** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-05/14/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_104746_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-27 10:12 | 2026-05-27 10:16 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,769.69.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_104913_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_105404_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_105605_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,013.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_105806_AM.zip 865690_xxxxxx_Initial_LE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865690 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received LOE - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
Full Review865690_xxxxxx_5_26_2026_104819_AM.zip 865690_xxxxxx_Lender_Cert_xxxxxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865692 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-27 08:33 | 2026-06-02 13:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-06/02/2026 Resolved- - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-06/01/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/02/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.95% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.43 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review865692_xxxxxx_6_1_2026_13258_PM.zip 865692_xxxxxx_PCCD.pdf 865692_xxxxxx_PCCD_2.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 865762 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 865771 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 865773 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-14 17:01 | 2026-04-24 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved- - Due Diligence Vendor-04/24/2026 Resolved-desk review provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Please verify Collateral Underwriter Score Provided is actually Missing. . Provide 3rd party review as required per guidelines. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-desk review provided - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865773 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-14 17:01 | 2026-04-24 07:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 58.32 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. I have attached an IRA retirement statement from the co-borrower who was added after we sent in the loan docs and loan tape. I have also attached an updated 1008/1003 to see the co-borrower has been added to the file properly. - Buyer-04/23/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2. Loan is short cash to close with none remaining for reserves. - Due Diligence Vendor-04/14/2026 |
Resolved-Audited Reserves of 58.32 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
1008.pdf IRA - xxxxxx.pdf 1003.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865773 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-14 16:10 | 2026-04-24 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Document is incomplete or missing required policy information. Lender to provide Binder with agree premium and adequate coverage and to show mortgage loss payee/ISAOA for lender. Based on the provided hazard quote, premium is $939.00. Subject to review and possible additional condition as this will impact the DSCR. - Due Diligence Vendor-04/14/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865773 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-14 16:16 | 2026-04-24 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Buyer-04/23/2026 Open-Missing Flood Insurance Policy. Per Flood Cert, property is located in zone AE and Flood Insurance is required. No evidence of coverage in file. Lender is required to provide Binder with adequate coverage at a yet-to-be determined cost. Subject to review and possible additional condition as this will impact the DSCR. - Due Diligence Vendor-04/14/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Flood Insurance.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865773 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-04-16 11:52 | 2026-04-24 07:35 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected Appraisal provided - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-. Provide corrected appraisal for borrower name to show xxxxxx. Currently the appraisal shows borrower’s name. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Corrected Appraisal provided - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865776 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 865833 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-04-23 12:41 | 2026-04-27 12:01 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Open-Missing primary appraisal. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.31 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.31 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.89% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.33 Years |
APPRAISAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865834 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 865835 | xxxxxx | B | B | B | B | A | A | B | B | Closed | xxxxxx | 2026-05-01 09:02 | 2026-05-11 11:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 637 is less than Guideline FICO of 640 - Due Diligence Vendor-05/11/2026 Ready for Review-This loan should be UW to xxxxxx guidelines this is not committed to xxxxxx - Seller-05/08/2026 Open-Audited FICO of 637 is less than Guideline FICO of 640 Exception remains open. Exception was granted for not meeting the minimum fico of 640. Loan was locked with xxxxxx and the minimum score allowed is 660. Exception for score is no longer valid. - Due Diligence Vendor-05/01/2026 |
Ready for Review-This loan should be UW to xxxxxx guidelines this is not committed to xxxxxx - Seller-05/08/2026 Ready for Review-The loan is committed to xxxxxx not xxxxxx - Seller-05/05/2026 |
Waived-Exception granted with compensating factorsAudited FICO of 637 is less than Guideline FICO of 640 - Due Diligence Vendor-05/11/2026 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years |
HOUSING HISTORY OF 0X30X24; CLTV < 50% | image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |
| 865835 | xxxxxx | B | B | B | B | A | A | B | B | Closed | xxxxxx | 2026-05-01 09:03 | 2026-05-04 12:28 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Exception granted with compensating factorsSUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDELINES. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-05/01/2026 | Waived-Exception granted with compensating factorsSUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDELINES. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-05/01/2026 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years |
HOUSING HISTORY OF 0X30X24; CLTV < 50% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx | |||
| 865836 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865837 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:37 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Open-*** Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($450.00) exceed the comparable charges ($370.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Cured-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
post closing cd (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865837 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:36 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. refund check and xxxxx label shipped to borrower - Seller-04/27/2026 Open-*** Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. refund check and xxxxx label shipped to borrower - Seller-04/27/2026 |
Cured-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
2026-04-24T23_28_04-xxxxx Shipping-Label.pdf 20260424162735252.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865837 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Open-*** Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received cure package. - Due Diligence Vendor-04/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 865838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 10:40 | 2026-05-12 15:41 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosure - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 |
Resolved-**Received missing disclosure - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 680 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.7% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.04 Years |
VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865838 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-04-29 13:21 | 2026-05-12 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Open-Third Party Fraud Report Partially Provided Missing a complete fraud report. Have some checks like OFAC, but do not have a complete fraud report. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 680 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.7% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.04 Years |
ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 865839 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 865845 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 865874 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-27 15:10 | 2026-05-29 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-05/28/2026 Open-Missing Lender Worksheet or Bank Statement Summary The Bank Statement Income Worksheet for B1 and B2 is missing. Lender to provide the Lender's Bank Statement Income Worksheet for B1 and B2. - Due Diligence Vendor-05/27/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.36 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
865874_xxxxxx_865874_xxxxxx_DBA_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 865888 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-05-21 10:37 | 2026-05-21 10:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Allow first time homebuyer to purchase an investment property - Due Diligence Vendor-05/21/2026 Open-Per Guidelines: The following requirements apply to first time homebuyer (FTHB) transactions: Primary residence only - Subject loan is an Investment purchase - Due Diligence Vendor-05/21/2026 |
Waived-Exception granted with compensating factorsException granted with supporting comp factors: Allow first time homebuyer to purchase an investment property - Due Diligence Vendor-05/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.38 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years |
LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Self-employed for > 2 years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 865940 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865955 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 865974 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-15 18:00 | 2026-05-19 14:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-More detailed tax cert provided by lender - Due Diligence Vendor-05/19/2026 Resolved-Property Tax Cert Provided - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. xxxxxx Team, the tax calculation showing on the 1008. xxxxxx - Seller-05/18/2026 Open-Missing Property Tax Cert for the subject property - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. xxxxxx Team, the tax calculation showing on the 1008. xxxxxx - Seller-05/18/2026 |
Resolved-More detailed tax cert provided by lender - Due Diligence Vendor-05/19/2026 Resolved-Property Tax Cert Provided - Due Diligence Vendor-05/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.24 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.28 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxxxxx_11_Tax_Disclosure_2026_05_18_@11_32_09.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 865987 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 866009 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-22 10:34 | 2026-05-22 10:34 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Waived-Exception granted with compensating factors to waive missing mortgage statement on primary residence to evidence most recent payment - Due Diligence Vendor-05/22/2026 | Waived-Exception granted with compensating factors to waive missing mortgage statement on primary residence to evidence most recent payment - Due Diligence Vendor-05/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 50 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.45% Is Less Than The Guideline Maximum Of 85% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 866203 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 13:04 | 2026-05-26 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. xxxxxx team, please see attached credit refresh for borrower 2, xxxxxx. - Seller-05/22/2026 Open-Borrower 2 Gap Credit Report is Missing Provide a Gap Credit Report/credit refresh for Borrower 2, as required per GL, as the current CBR is dated xxxxxx, which is 40 days prior to the xxxxxx Note Date and exceeds the allowable 30-day requirement; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. xxxxxx team, please see attached credit refresh for borrower 2, xxxxxx. - Seller-05/22/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxxxxx - B2 Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866203 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-22 11:49 | 2026-05-26 11:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. xxxxxx team, please see attached fraud report showing all alerts have been cleared, xxxxxx. - Seller-05/22/2026 Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts (Per GL All high level alerts, red flags, etc. must be addressed and/or cleared.); additional conditions may apply upon review. - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. xxxxxx team, please see attached fraud report showing all alerts have been cleared, xxxxxx. - Seller-05/22/2026 |
Resolved-Fraud report provided - Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxxxxx - FraudReport Cleared.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-19 09:35 | 2026-05-29 08:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Updated DOT with PUD rider and Letter of intent to re-record stating The error made on the Deed of Trust that pertains to this file and advise we intend to re-record this file to add the PUD Rider which was missing at the time of recording was provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. re-signed and recorded mortgage along with the letter of intent to re-record have been uploaded. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Buyer-05/28/2026 Open-PUD Rider is Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Updated DOT with PUD rider and Letter of intent to re-record stating The error made on the Deed of Trust that pertains to this file and advise we intend to re-record this file to add the PUD Rider which was missing at the time of recording was provided - Due Diligence Vendor-05/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |
RECORDED MORTGAGE.pdf 866214_xxxxxx_RECORDED_MORTGAGE.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 866214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-20 12:23 | 2026-05-29 08:08 | Resolved | 1 - Information | C | A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-Updated 1003 reflecting xxxxxx and xxxxxx included in the total REO rent loss totaling $11,688.87 - Audited DTI is 40.08% - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Counter-Document Uploaded. the Property report provided for xxxxxx is in the name of an LLC which was transferred from the bwr on xxxxxx without deed of transfer in loan file also provide confirmation on which property the xxxxxx lien belongs too as its not listed on the bwr Final 1003 however its showing on the Bwr's CBR supplement - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Open-Missing evidence of sold properties xxxxxx and xxxxxx not included in DTI. DTI subject to change upon receipt. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Resolved-Updated 1003 reflecting xxxxxx and xxxxxx included in the total REO rent loss totaling $11,688.87 - Audited DTI is 40.08% - Due Diligence Vendor-05/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |
REO-xxxxxx.PDF CREDIT SUPP REPORT.pdf xxxxxx.pdf xxxxxx.pdf Screenshot 2026-05-22 110257.jpg Screenshot 2026-05-22 110129.jpg Screenshot 2026-05-22 111727.jpg xxxxxx final 1003.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-20 02:29 | 2026-05-22 11:15 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-05/21/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/20/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |
Full Review866214_xxxxxx_5_21_2026_123659_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 866214 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-05-20 01:44 | 2026-05-22 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-05/21/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/20/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |
Full Review866214_xxxxxx_5_21_2026_123321_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 866220 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 866222 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 866247 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 866295 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 866380 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-27 11:27 | 2026-06-02 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Title - Due Diligence Vendor-06/01/2026 Open-Title Document is missing - Due Diligence Vendor-05/27/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/02/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866380_xxxxxx_Title_4_9_2026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866417 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 10:00 | 2026-05-11 12:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Lender provided xxxxxx xxxxxx document showing over 100% offset of electricity bill. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 Open-Provide documentation evidencing the xxxxxx loan monthly payment amount, outstanding balance, and repayment term, as the obligation is currently reflected on title; additional conditions may apply upon review. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 |
Resolved-Lender provided xxxxxx energy system document showing over 100% offset of electricity bill. - Due Diligence Vendor-05/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxxxxx-xxxxxx.pdf_2026_05_08_@10_56_02.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866417 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-08 10:26 | 2026-05-08 16:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 Open-Provide documentation addressing and/or clearing the open alerts reflected on the Fraud Report, as all high-level alerts and red flags must be resolved per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
FRAUD REPORT_2026_05_08_@10_56_46.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866419 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 866444 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 866445 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 866446 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-01 06:27 | 2026-05-15 10:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/14/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Validated - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. - Seller-05/14/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.91 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
4-21-2026 2026 EOI xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 866448 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 866449 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-05-13 09:27 | 2026-05-13 09:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factors for Audited LTV of 80% that exceeds Guideline LTV of 75% CO-BORROWER IS LIVING RENT FREE. 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-05/13/2026 | Waived-Exception granted with compensating factors for Audited LTV of 80% that exceeds Guideline LTV of 75% CO-BORROWER IS LIVING RENT FREE. 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-05/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QUALIFYING FICO SCORE IS 103+ POINTS ABOVE MINIMUM SCORE PER PROGRAM; C3 CONDITION RATING; DTI < 43% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx | |||
| 866451 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 866452 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 866456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 05:28 | 2026-05-11 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 866456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 06:37 | 2026-05-05 06:37 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsEXCEPTION TO USE 4.13 GUIDELINES TO ACCEPT PAYMENT EVIDENCE OF SIX MONTHS. RENTAL PAYMENT WAS MADE VIA CASH AND VOR IN FILE SHOWS 0X30X12. - Due Diligence Vendor-05/05/2026 | Waived-Exception granted with compensating factorsEXCEPTION TO USE 4.13 GUIDELINES TO ACCEPT PAYMENT EVIDENCE OF SIX MONTHS. RENTAL PAYMENT WAS MADE VIA CASH AND VOR IN FILE SHOWS 0X30X12. - Due Diligence Vendor-05/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
* POST CLOSING RESERVES OF 5.17 MONTHS * FICO OF 696 IS 36 POINTS HIGHER THAN MINIMUM REQUIRED. * LOW DTI OF 34.336% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866456 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-05 06:32 | 2026-05-05 06:32 | Waived | 2 - Non-Material | B | B | Credit | Income | Income documentation does not meet guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW P&L ONLY. AS PER GUIDELINES, P&L IS NOT ALLOWED ON NPRA BORROWER - Due Diligence Vendor-05/05/2026 | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW P&L ONLY. AS PER GUIDELINES, P&L IS NOT ALLOWED ON NPRA BORROWER - Due Diligence Vendor-05/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
POST CLOSING RESERVES OF 5.17 MONTHS * FICO OF 696 IS 36 POINTS HIGHER THAN MINIMUM REQUIRED. * LOW DTI OF 34.336% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866514 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-05-14 09:37 | 2026-05-19 15:06 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided and no issues found. Supports OA value within a 10% tolerance. - Due Diligence Vendor-05/19/2026 Ready for Review-CDA uploaded for review. - Due Diligence Vendor-05/19/2026 Open-CDA missing - Due Diligence Vendor-05/14/2026 |
Resolved-CDA provided and no issues found. Supports OA value within a 10% tolerance. - Due Diligence Vendor-05/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |
866514_xxxxxx_xxxxxx_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 866518 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-20 08:13 | 2026-05-26 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the CPA letter. xxxxxx! - Due Diligence Vendor-05/22/2026 Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years |
866518_xxxxxx_CPA_letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866518 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-20 10:00 | 2026-05-26 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Attached please find: Mortgage statements for xxxxxx & xxxxxx showing taxes and insurance are escrowed. Tax bill & HOI for xxxxxx. Please note xxxxxx is in the process of being purchased via xxxxxx as the lender - the loan is in it's early stages so the only documentation at this time is the last LE signed which is attached. xxxxxx! - Due Diligence Vendor-05/22/2026 Open-Missing Tax and Insurance for Rental calculation for the properties - xxxxxx -xxxxxx -xxxxxx -xxxxxx -xxxxxx - xxxxxx - xxxxxx -xxxxxx - Due Diligence Vendor-05/20/2026 |
Resolved-REO documents provided - Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years |
866518_xxxxxx_mtg_statement.pdf 866518_xxxxxx_HOI_(1).pdf 866518_xxxxxx_tax_bill.pdf 866518_xxxxxx_Loan_Estimate_(1).PDF 866518_xxxxxx_mtg_statements.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866655 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-06-10 23:08 | 2026-06-10 23:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted to allow investor concentration on subject development that exceeds guideline maximum - Due Diligence Vendor-06/11/2026 Open-Subject development exceeds guideline maximum investor concentration of 60% with 76%. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted with compensating factorsException granted to allow investor concentration on subject development that exceeds guideline maximum - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 245.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.09 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years |
LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 866979 | xxxxxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | |||||||||||||||||||
| 867029 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 867456 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | |||||||||||||||||||
| 867457 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 867460 | xxxxxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | |||||||||||||||||||
| 867856 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-27 21:46 | 2026-06-01 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. xxxxxx team, please see attached HOI for REO property xxxxxx, with a premium of $3978.46, xxxxxx. - Seller-05/29/2026 Open-Provide a copy of the Hazard Insurance Policy (HOI) evidencing the annual premium amount and HOA documentation/payment information (if applicable) for Departure Residence / REO property xxxxxx, as the required documentation is missing from the file per GL requirements. Additional conditions may apply upon review. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. xxxxxx team, please see attached HOI for REO property xxxxxx, with a premium of $3978.46, xxxxxx. - Seller-05/29/2026 |
Resolved-HOI Policy provided - Due Diligence Vendor-06/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.04 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 Years |
xxxxxx - HOI for REO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 868180 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-29 16:25 | 2026-06-03 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. See all docs attached for the condition. - Due Diligence Vendor-06/02/2026 Open-1) Missing verification of taxes for non-subject property; xxxxxx and xxxxxx. 2) Missing supporting documentation of terms of financing for xxxxxx. File contains the CD reflecting the terms of financing, however, missing recent Note, hazard policy and proof of taxes. - Due Diligence Vendor-05/29/2026 |
Resolved-REO docs provided - Due Diligence Vendor-06/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.21% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 45.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 58.69 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 58.69 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
868180_xxxxxx_Taxes.pdf 868180_xxxxxx_HOI.pdf 868180_xxxxxx_TAXES.pdf 868180_xxxxxx_TAXES.pdf 868180_xxxxxx_Note.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |